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LOAN TYPES

United Financial Services provides many types of loan types that best fits your needs on your next home purchase. See more and learn more. 

Featured Program

Physician Mortgage Loan

Doctor's Visit
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CONVENTIONAL LOAN

A versatile mortgage option offering competitive rates and flexible terms, ideal for homebuyers with strong credit, providing stability and predictable payments.

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JUMBO LOAN

Tailored for luxury properties, a jumbo loan offers substantial financing for high-value homes, providing a reliable solution for borrowers seeking expansive living spaces.

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VA LOAN

A government-backed option exclusively for veterans and active-duty military personnel, offering favorable terms, low or no down payment, and simplified qualification processes.

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FHA LOAN

Backed by the Federal Housing Administration, an FHA loan is an accessible choice for first-time homebuyers, offering low down payments and accommodating credit requirements.

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REHAB LOAN

Designed for buyers eyeing fixer-upper properties, rehab loans combine home purchase and renovation financing into a single solution, streamlining the process of transforming a house into your dream home.

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ENERGY EFFICIENT LOAN

This unique option supports environmentally conscious homeowners by financing energy-efficient upgrades, reducing utility bills while contributing to a greener future.

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DOWN PAYMENT ASSISTANCE

A helping hand for eligible buyers, down payment assistance programs provide financial support to bridge the gap between available funds and the down payment required for homeownership.

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FIXED RATES

Offering stability and predictability, fixed-rate mortgages maintain the same interest rate throughout the loan term, ensuring consistent monthly payments.

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ARMs

ARM loans feature a fluctuating interest rate that adjusts periodically, providing potential initial savings and flexibility for those planning to sell or refinance in the near future.

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PURCHASE AND REFI

Whether you're embarking on a new home purchase or seeking to improve your current financial situation, we offer tailored solutions for both buying and refinancing to meet your evolving needs.

Modern Neighborhood

QUESTIONS?

718 Sutter Street, Suite 100, Folsom CA 95630

Telephone: (916) 214-0326

Fax: (916) 258-0901

Email: toddzancaner@gmail.com

© 2023 United Financial Services. All Rights Reserved.

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NMLS #289072 BRE: #01845587 This Licensee is performing acts for which a real estate license is required Zancaner Consulting Inc, DBA United Financial Services – Todd Zancaner is licensed by the Bureau of Real Estate. BRE #01408795 NMLS 8974 Loan Approval is not guaranteed and is subject to lender review of information. Loan is only Approved when the lender has issued an approval in writing. Specified rates are subject to change with market conditions. United Financial Service is an Equal Opportunity Mortgage Broker. United Financial Services is approved to originate VA and FHA loans, and has the ability to broker FHA and VA loans to approved lenders. United Financial Services is not acting on behalf of or at the direction of HUD/ FHA or VA.

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