Loans

OUR PLEDGE TO YOU

Endurance Mortgage promises the following to each and every one of our customers:
  • We will work harder for you than any other company.
  • We will always return phone calls, emails, etc.
  • We will be upfront and transparent about the entire loan process.
  • We will do everything in our power to ensure we meet your closing date.
  • We will help you to understand the mortgage process.
  • We will uphold our values.

VA Loans


VA loans are for purchasing a primary residence. These loans are available to eligible veterans, active duty personnel, and Reservists/National Guard personnel. The loans are actually made by banks and mortgage companies, but they are backed by the Department of Veterans Affairs. A certificate of eligibility from the VA is required. With this certificate, the veteran can apply for a loan up to 100% of the purchase price or 100% of the appraised value on a refinance. 

  • Certificate of eligibility (available from the VA)
  • Minimum credit score: 600
  • Maximum loan amount: $453,100
  • No down payment required
  • No monthly PMI
  • No prepayment penalty

Federal Housing Administration (FHA) Loans


These are federally insured loans that require a minimum down payment of 3.5%. Anyone (regardless of race, color, religion, sex, marital status, or national origin) living in the United States is eligible to apply for an FHA loan. 

  • Minimum credit score required: 580
  • Minimum 3.5% down payment is required
  • Maximum loan amount: $294,515
  • Requires 1.75% funding fee
  • Requires monthly PMI
  • No prepayment penalty
  • Gift funds are allowed

CONVENTIONAL


This loan is neither guaranteed nor insured by the federal government. These loans require a 20% down payment or a 5% down payment with the presence of mortgage insurance.

  • Minimum credit score: 620
  • No funding fee
  • Maximum loan amount: $453,100
  • No prepayment penalty

RURAL DEVELOPMENT


These loans are for properties located in rural areas or in towns with less than 20,000 in population. Borrowers may finance up to 100% of the purchase price. 

  • No down payment
  • No prepayment penalty
  • 600 or higher credit
  • Must meet income limits
  • Requires funding fee
  • Requires monthly PMI

Note: In some cases, closing costs can be financed in the purchase transaction as long as the appraisal comes in higher than purchase price to cover the cost.

Frequently Asked Question's

Once Im approved, can I buy something on credit?

Do I make my payment at your office?

Once my rate is locked in, can I change it if the rates get better?

What Our Clients Say

  • "This business isn't just a business they are a family of great people who really care about their customers and go above and beyond to make your family's dreams come true when it comes to buying or refinancing your home! I had a pleasure to work with several of the employees several years ago and they are real people who know what a big deal buying a home is for you and they get the job done and help make your dreams come true!! I have a lot of old friends I could've called on to help me and my husband buy our first home and they are all good at what they do but I knew my old buddies at Public Service were going to get the job done right & efficiently with as little stress on me and my husband!!! Thank you just isn't big enough to show how much we appreciate Robert, Dakota & Misti for doing such an amazing job at getting the job done!! We are tickled pink to be sleeping in our family's new house tonight!! Endurance Mortgage you guys are awesome!!!!"
    - JAMIE LYNN G.
  • "Great service and friendly people. They make home buying easy with no stress!"
    - DAWN L
  • "This is a great place to do business with- great people! If you choose Endurance Mortgage you won't be sorry!"
    - CHRIS D. SR.
  • "Closed on my house using Endurance Mortgage!! Everyone there was so helpful and I was very appreciative of everyone there!! Definitely suggest using this company for any loan closing needs you may have, VERY quick service!!"
    - Kimberly K.

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