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Loan Options

The FHA Home Loan Program is Available in a veriety of fixed rate options and allows you to use a gift to pay for your closing costs. Low down payment options, flexible credit requirements, and closing costs can be financed.

No-Money down home loans for  military Veterans.  VA has no mortgage insurance, flexible credit guidelines, and is the lowest overall payment option available for our countries great American heros.

Lowest interest rate options for borrowers with a down payment. May require PMI if more 80% of the home value is financed. Low closing cost options, fast closings, and no income limit restrictions.

No money down home loan programs in rural areas. USDA has lower mortgage insurance than FHA. Borrower must make less than HUD median income averages. The property must be in an eligible area.

Refinance

We offer full service mortgage planning comparing your current loan against market rates to determine the best loan for your financial situation. We also provide debt consolidation and cash out refinance loans.

We offer New Construction home loans with little to no money down. If you currently own the land, you might not need any money to close. If you are a purchasing the land you could need as little as 3.5% down.

Schedule a Free Consultation

Talk to one of our mortgage consultants about Home Loan Programs available to you.

Bank of England Mortgage strives to make homeownership easy.

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Downloads

  • Homeownership Kit
  • FHA Handbook
  • USDA Handbook
  • FHA Gift Letter

Bank of England Mortgage has tried to provide accurate and timely information; however, the content of this site and Home Loan Programs offered may not be accurate, complete or current and may include technical inaccuracies or typographical errors. From time to time changes may be made to the content of this site without notice. Bank of England Mortgage may change the products, services, and any other information described on this site at any time. The information published on this site is provided as a convenience to visitors and is for informational purposes only. You should verify all information before relying on it and decisions based on information contained in our site are your sole responsibility. If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for a loan, please contact us at (518) 324-5544. This contact information is for accommodation requests only. 

Bank of England Mortgage is a division of Bank of England. Member FDIC. Equal Housing Lender. NMLS # 418481