Loan Programs
Whether you’re buying, renovating, or refinancing, Treadstone provides a wide array of mortgage products to meet a variety of home financing needs.
Contact us today and we can help you find the right mortgage tailored to your individual needs in three easy steps:
- Tell us about your needs: Answer a few questions to help us find a loan option that fits your situation.
- Consider your loan options: Review, modify, and compare loan scenarios. Get closing cost estimates, and save your options to access later.
- Request a complimentary consultation: Submit your loan options for a no-obligation review. We can answer any questions you might have. Or, if you’re ready to take the next step, apply with our secure and convenient online application.
FHA Loan
- Minimum 3.5% down
- Upfront insurance fee can be financed
- Flexible qualifying guidelines
FHA 203 (k) Renovation
- Minimum 3.5% down
- Flexible qualifying guidelines
- Financing rolls repairs into your mortgage for one monthly payment
USDA Rural Development
- No down payment option
- Lower mortgage insurance premiums*
- Flexible qualifying guidelines
USDA Renovation
- No down payment option
- Finance repairs into your mortgage for one monthly payment
- Income and geographical limits apply
Conventional Loan
- Minimum 5% down
- Great rates for lower payments
- Unique first-timer options (3% down**)
Homestyle Renovation
- Minimum 5% down
- Both practical and luxury projects
- Includes second homes and one-unit rentals
VA (Veteran) Loan
- No down payment option
- No mortgage insurance required
- Flexible qualifying guidelines
VA (Veteran) Renovation Loan
- No down payment option
- No mortgage insurance required
- Flexible qualifying guidelines
MSHDA DOWN PAYMENT ASSISTANCE
- 1% down option
- Works with FHA or Conventional programs
- Options for first time and repeat buyers
Numbers above represent fixed rate mortgage examples.
*Comparable to the other loan programs listed above.
**First-time homebuyer refers to a program offered by Fannie Mae.
Latest Blog Post
Credit Union vs Mortgage Broker in Kalamazoo: Your 2026 Lending Flight Plan
Is sticking with the familiar branch on West Main actually the most efficient way to clear the runway for your new home? When weighing the choice of a credit union vs mortgage broker Kalamazoo buyers often feel torn between the comfort of a lifelong banking relationship and the need for a more agile flight plan. It’s natural to feel anxious about the closing timeline when homes are selling in just 24 days, especially with median prices in our community climbing as much as 10% over the last year. You don’t want to miss out on a competitive 6.49% rate just because your local branch has a rigid set of requirements.
We understand that you want more than just a transaction; you want the certainty of a lower monthly payment and a partner who won’t let you miss out on specialized lift from programs like MSHDA. This guide serves as your pre-flight checklist to discover which lending path offers the best trajectory for your specific goals. We will break down the structural differences in rates and requirements, helping you navigate the complexities of the 2026 market with the precision of a seasoned air traffic controller to ensure a smooth landing at the closing table.
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