Buying or refinancing a home? eLEND is a national mortgage lender.
Whether you’re a first-time buyer, upgrading, or looking to lower your rate, we make home financing simple, transparent, and accessible nationwide. Choose your state below to explore loan programs, local homeownership resources, and assistance programs.
Choose your state for home financing options.
Alabama | Arizona | California | Georgia | Iowa | Louisiana | Maine | Maryland | Missouri | New Jersey | Pennsylvania | South Carolina | Texas | Virginia | Wisconsin
Alabama Home Loans
Birmingham, Huntsville, Mobile, and Montgomery balance price, taxes, and closing costs. We compare loans and review manufactured home options when needed.
- FHA and VA programs
- Manufactured home loans
- Fixed-rate and refinance options
Alabama housing resource:
Arizona Home Loans
Phoenix, Tucson, Scottsdale, and Mesa can move fast. Some homes include solar leases or HOA rules that affect financing. We help you weigh home loans and refinancing choices and keep the timeline on track.
- FHA, VA, and conventional loans
- Manufactured or modular home financing
- Refinance to lower payment or shorten term
Arizona housing resource:
California Home Loans
Los Angeles, San Diego, San Jose, and Sacramento face higher prices and more paperwork. We compare loan types, including jumbo, and plan for condo or self-employed reviews when needed.
- FHA, VA, and conventional loans
- Manufactured and modular programs
- Refinance and cash-out options
California housing resource:
Georgia Home Loans
Atlanta stays active. Savannah, Augusta, and Macon have different trends. We lay out loan and refinance paths and plan for appraisals and closing funds so you can move with less stress.
- Conventional, FHA, and VA options
- Manufactured and modular financing
- Refinance or cash-out choices
Georgia housing resource:
Iowa Home Loans
Des Moines, Cedar Rapids, Davenport, and Iowa City include rural features like wells and septics. We plan for appraiser timing and title items early so your purchase or refinance stays on track.
- FHA and VA loans
- Manufactured home financing
- Refinance for lower rates
Iowa housing resource:
Louisiana Home Loans
New Orleans, Baton Rouge, and Shreveport often involve flood zones and insurance checks. We’ll explain the steps and match programs to your plans and budget.
- FHA, VA, and USDA choices
- Manufactured and modular options
- Refinance for better terms
Louisiana housing resource:
Maine Home Loans
Portland, Bangor, Augusta, and Lewiston include seasonal and rural homes. We plan for private roads, winter access, and unique condo rules while we compare loan options.
- FHA or VA loans
- Manufactured and modular financing
- Refinance to lower your rate
Maine housing resource:
Maryland Home Loans
Baltimore and the DC suburbs bring condo reviews and higher HOA dues. We match loan options to your plan and help you use first-time buyer programs when available.
- FHA, VA, and conventional loans
- Refinance and cash-out options
- Manufactured and modular programs
Maryland housing resource:
Missouri Home Loans
St. Louis, Kansas City, Springfield, and Columbia offer both city and rural homes. We plan for appraisals that vary by area and match loan choices to your goals.
- FHA, VA, and USDA loans
- Manufactured home financing
- Refinance options
Missouri housing resource:
New Jersey Home Loans
From Newark and Jersey City to the shore, property taxes and condo reviews can affect approvals. We help you compare loans and plan for reserves and insurance.
- FHA and VA home loans
- Conventional and manufactured housing
- Refinance to improve terms
New Jersey housing resource:
Pennsylvania Home Loans
Philadelphia, Pittsburgh, and Allentown include older homes and rowhouses. We flag repair items early and align timelines with any aid or grant program you use.
- FHA and VA loans
- Manufactured home financing
- Refinance or cash-out choices
Pennsylvania housing resource:
South Carolina Home Loans
Charleston, Columbia, and Greenville see steady demand. Coastal areas may need extra insurance. We size payments and pick programs that fit your plan.
- FHA or VA loans
- Manufactured and modular financing
- Refinance to save or access equity
South Carolina housing resource:
Texas Home Loans
Buying or refinancing in Texas can be competitive, with appraisal gaps and fast timelines in Dallas, Houston, Austin, and San Antonio. We help you compare home loans and refinancing choices and keep the process organized. If property taxes or credit history are a concern, we’ll lay out options that fit your plan.
- FHA and VA home loans
- Manufactured and modular home financing
- Refinance programs to reduce monthly payments
Texas housing resource:
Virginia Home Loans
Northern Virginia, Richmond, and Virginia Beach bring condo reviews and VA eligibility questions. We match loan types to your plan and handle paperwork details.
- FHA, VA, and conventional programs
- Manufactured and modular financing
- Refinance for better terms
Virginia housing resource:
Wisconsin Home Loans
Milwaukee, Madison, and Green Bay mix urban condos with rural properties. We address winter appraisal timing and property condition items so your loan moves forward.
- FHA, VA, and conventional mortgages
- Manufactured and modular financing
- Refinance programs for better terms
Wisconsin housing resource:
Home Loan Options
Pros and Cons
FHA Loans
Pros: Lower down payment; flexible credit.
Cons: Upfront and monthly mortgage insurance; loan limits vary by county.
VA Loans
Pros: No down payment for many borrowers; no monthly mortgage insurance.
Cons: VA funding fee may apply; service eligibility required.
Conventional Fixed-Rate
Pros: Predictable payments; PMI can be removed with equity.
Cons: Higher credit standards; larger down payment than FHA in many cases.
Conventional ARM
Pros: Lower initial rate; useful for shorter time horizons.
Cons: Rate can adjust higher; budget planning needs care.
USDA (where eligible)
Pros: Zero down in eligible rural areas; competitive rates.
Cons: Income and location limits; guarantee fee applies.
Manufactured & Modular Home Financing
Pros: Options for factory-built homes; can pair with FHA, VA, or conventional.
Cons: Property, foundation, and title rules apply; lender guidelines may be stricter.
Refinance (Rate-and-Term)
Pros: Reduce payment or shorten term; drop PMI with enough equity.
Cons: Closing costs; breakeven depends on time in the home.
Cash-Out Refinance
Pros: Access home equity for projects, debt payoff, or reserves.
Cons: Bigger loan balance and payment; rate may be higher than purchase.
Common Questions
How do I choose the right loan?
Start with your budget, credit, and timeline. If you want a lower down payment, look at FHA. If you have VA eligibility, review VA. If you plan to keep the home long term, fixed-rate can make sense. Ask our team to compare offers side by side.
Can I finance a manufactured home?
Yes. Many borrowers use FHA, VA, or conventional options for manufactured andYes. Many borrowers use FHA, VA, or conventional options for manufactured and modular homes. Property and foundation rules apply. modular homes. Property and foundation rules apply.
When does a refinance pay off?
Run a breakeven check: closing costs divided by monthly savings. If the breakeven fits your timeline, the move can make sense.
What affects my interest rate?
Credit, down payment, loan type, property type, and market conditions. Your state may also offer aid that changes total costs.
Do first-time buyers get help?
Many states offer grants or deferred loans. Check the housing links on this page and ask our team about pairing these with your loan.
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