Below are the different types of loans available to you. Whitehall will work with you to decide which loan is the one for you.


Fixing the Roof

FHA 203K

A loan for well-needed home improvement

  • May be for a purchase or a refinance

  • Add flooring, carpeting or siding to a home

  • Fix electrical, plumbing, heating system, etc.

  • Add or modernize a room

  • Other needed improvements

American flag waving


For veterans, active-duty personnel or spouses of veterans

  • No application fee or monthly MI

  • Zero down payment and cash reserves

  • VA funding may be financed

  • Primary residence may include 1-4 unit building

  • Some consumer debt may be paid off with the refinance program

  • Seller will be required to pay certain closing costs

Dry Fields


The loan for a rural area

  • No down payment required

  • Geographical location must qualify

  • Not limited to first-time home buyers

  • Mortgage insurance not needed

  • Any source may pay closing costs



Non-government secured loan to avoid monthly PMI payment

  • Flexible terms, 15-30 years

  • No mortgage account restrictions like FHA loans

  • Purchase or refinance

  • Non-borrowing co-borrowers allowed

Key to Success


Make home-ownership a reality

  • 3.5% down

  • 580 (+) credit score 

    • versatile credit review​

  • Seller's assist of 6%

  • No penalty for pre-payment

  • Higher loan limits



For recent med school graduates, residents and those in the early stage of their careers

  • Loan amounts up to $1,500,000

  • Low or no down payment options

  • Adjustable rate options

  • Differed student debt may be excluded from payment ratios