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Browse Our Programs

Loan Programs

Our Loan Programs

Loan Programs for Every Need

Conventional Loans

Advantages:

  • Fixed interest rate
  • Flexibility on the length of your loan
  • Loans up to $548,250

Disadvantages:

  • Higher credit score requirements than other types of loans
  • Insurance required on loan with a higher than 80% LTV
  • Higher down payment requirement than federally-insured loan programs

Learn More       Apply Now

VA Loans

Advantages:

  • Option to put 0% down
  • Lower interest rates than most other loan programs
  • No mortgage insurance

Disadvantages:

  • Funding fees
  • Can not be used to purchase second home or investment property
  • Loans do not cover the closing costs

Learn More       Apply Now

Jumbo Loans

Advantages:

  • Loan Sizes more than $548,250
  • Ability to buy bigger home
  • Ability to have advantage in highly competitive markets

Disadvantages:

  • Higher interest rates than conforming loans
  • Higher closing costs
  • Not guaranteed by Fannie and Freddie Mac

Learn More       Apply Now

FHA Loans

Advantages:

  • Less strict credit requirements than conventional loans
  • Smaller down payments – FHA loans only require a 3.5% down payment
  • Ability to get a better interest rate with worse credit

Disadvantages:

  • Mortgage insurance payments
  • Smaller loan limits than conforming loans – 65% of an areas conforming limit
  • Home you are purchasing must meet FHA guidelines

Learn More       Apply Now

USDA Loans

Advantages:

  • Ability to put 0% down
  • Lower interest rates
  • Ability to build a home with the funds from the loan

Disadvantages:

  • Home must be in a USDA approved area
  • Income limits
  • Mortgage insurance

Learn More       Apply Now

Construction Loans

Advantages:

  • Ability to only make interest payments until construction is complete
  • More flexible terms if you obtain your funds from a hard money loan
  • Construction loans can be used for everything in the construction and loan process

Disadvantages:

  • Higher interest rate
  • Shorter length to repay loan
  • More difficult to qualify for if you go through a bank

Learn More       Apply Now

Green Mortgage Loans

Advantages:

  • Makes your home more environmentally friendly
  • Makes your home more affordable in the long run
  • Lower interest rates

Disadvantages:

  • More documents needed to get your green mortgage approved
  • Complicated loan process
  • Monthly mortgage payments become higher

Learn More       Apply Now

Adjustable Rate Mortgage

Advantages:

  • You have lower payments while your loan still has a fixed rate
  • Your rate could decrease
  • Ability to get a more expensive home due to the lower payments

Disadvantages:

  • Your rate could increase
  • ARMs are complex
  • Certain caps can cause negative amortization

Learn More       Apply Now

*Loan programs can vary. Please contact us for more information about loan programs available in your area.

Explore More Resources

Our Tools & Resources

The Leahy Lending team is committed to finding solutions for each of our client’s unique needs. We offer the tools and resources to help you best prepare for the future. 

Our Services

Providing Our Clients the Best Mortgage Experience

Purchase Loans

We offer a variety of loans to buy your dream home, including Conventional, VA, FHA, Jumbo, and more.

Refinances

Let us refinance your home to save money, consolidate debt, or put money back in your pocket to invest.

Tools & Resources

Explore your financial solutions with our calculators and free consultation.

Testimonials

What Our Clients Say

  • 5 star review  Ryan and his team are simply top notch. From pre-approval to closing we have received nothing but stellar service and frequent updates. As first time home buyers, we were not sure what we were getting into, but Ryan helped us figure it out quickly and easily. Even our realtor said that Ryan and his team were the easiest lenders they have ever worked with. I will definitely be recommending Ryan to my friends and family.

    thumb Haydn Jones
    1/19/2021
  • 5 star review  My friend suggested Ryan Leahy's lending team as we were first time home buyers. From the initial stages of introductory discussions, we found Ryan to be very patient, prompt, attentive & responsive to any questions or queries we had. During entire Home loan process, he and his team was always on top of everything, guiding us through with proper due diligence expected. Due to this we were able to close on time even while on tight schedule. Ryan is a great person, very professional & pleasure to work with. I highly recommend Ryan Leahy & his team !!

    thumb Uday Pardeshi
    10/08/2020
  • 5 star review  Ryan was absolutely terrific to work with. I initially contacted him after doing research on mortgage brokers. He was very attentive to my long-term real estate plan and offered his expert opinion about how better to execute it. During the loan process, he and his team were on top of everything, and Ryan was available to answer all my questions along the way. We had a quick turnaround to close on the property and Ryan and his team made it happen! On the closing day, he called to congratulate me. He is a great person to work with, very professional, and extremely personable.

    thumb Trevor Walker
    9/03/2020
  • 5 star review  Ryan, Jay and the entire team at were BEYOND helpful during my refinancing process. They made everything so easy for me and my co-signers (who live across the country!) and I could not be happier with the outcome. They also connected me with a home insurance agent as I needed a new plan and I was able to save even more money! Saved big bucks during a tough time and now I have my go-to folks! Thank you Ryan, Jay and the entire team!

    thumb Anika Kleingartner
    1/26/2021
  • 5 star review  It's amazing how much we're going to be saving over the years. The team did a wonderful job at making this easy for us. Only one in-person contact was need to finalize the transaction. Perfect for these times.

    thumb Wesley Wolter
    11/21/2020

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