Discover Our Home Loan Types

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Horizon Home Loan Types

Whether you’re buying or refinancing, we’ve got options! Jump to a section or scroll below to learn about our different home loan types.

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Conventional Loan

Secured by government sponsored entities, such as Fannie Mae and Freddie Mac. Conventional loans can be made to purchase homes, single family to four family homes.

Options include:

  • Conforming
  • Nonconforming
  • Adjustable Rate

FHA Loan

Home loans insured by the Federal Housing Administration. This is a great option if you’re outside the means of conventional home loans.

  • Flexible Guidelines
  • Low down payment options
  • Low closing costs
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VA Loan

Home loans insured by the U.S. Department of Veteran Affairs. Veterans, active-duty members, reservists, National Guard members and some surviving spouses are eligible.

  • Low down payment options
  • 100% financing available
  • Negotiable rates
  • Not limited to first-time home buyers


Home loans insured by the U.S. Department of Agriculture for rural / suburban home buyers. Many areas in Washington, Oregon, Idaho and Montana are eligible.

  • No down payment
  • Low interest rates
  • Low cost monthly insurance premiums
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Manufactured or Unique Property Loan

These unique loan programs make it possible to get into a manufactured home or one that might not meet conventional standards.

  • Both conventional and non-conforming properties accepted
  • 15 or 30-year cash-out fixed rate options available
  • Low down payment options

Medical Professional Loan

A special home loan created specifically for medical professionals. Available to anyone in the medical field: including doctors, nurses, paramedics, radiology techs, dentists, veterinarians and more!

  • Exceptionally low down payment
  • Flexible terms
  • Student loans won’t impact your rate
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0% Down Loan

Ideal for first time home buyers! A great option if you’re looking to land your dream home but don’t have the cash for a down payment.

  • No down payment
  • New purchases only
  • No private insurance necessary

Jumbo Loan

A great option if you’re looking for a loan larger than the local limit for conventional loans.

  • New purchases only
  • Low down payment
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Start Your Journey Today

If you’re ready to begin your home loan path, start your online application now or check current rates!