(302) 703-0727

(302) 703-0727

FHA 203(h) Disaster Victims Mortgage | 100% Financing After a Disaster

John Thomas February 2, 2026 Tags: ,
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When a natural disaster destroys or severely damages your home, the financial uncertainty that follows can feel overwhelming. Many homeowners assume they’ll need a down payment or perfect circumstances to move forward again. That’s not always true.

The FHA 203(h) Mortgage Loan for Disaster Victims was created to help homeowners recover after a Presidentially-Declared Major Disaster Area (PDMDA) event. In the right situation, this program can offer 100% financing with no down payment required.

As an FHA Loan Expert, Loan Officer John Thomas helps disaster-impacted homeowners understand whether this program applies to their situation and how to take action before critical deadlines expire.  Find out more today about FHA 203h Program, Call 302-703-0727 or APPLY ONLINE Keep Reading...

Dover Delaware First Start Down Payment Assistance Program

John Thomas January 17, 2026 Tags: , , ,
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Dover Delaware First Start Down Payment Assistance Program is a down payment and closing cost assistance program provided by the City of Dover to encourage home ownership within the city limits of Dover, Delaware with up to $20,000 in forgivable grant funds to eligible home buyers. The program is designed to assist low income families and moderate income families purchase an eligible property in the City of Dover. Call 302-703-0727 to get more information or to Apply. You can also APPLY ONLINE.

How Do You Qualify for the Dover First Start Down Payment Program?

In order to be eligible to qualify for the City of Dover Delaware Down Payment Assistance Program you must NOT have owned a principal residence in the last 3 years. There is one exception for single parents who have not owned a home for at least one year except as part of a joint ownership. You must also meet the following qualifications: Keep Reading...

VA loan Eligibility Requirements in Delaware

John Thomas January 14, 2026 Tags: , , , , , , ,
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VA Loan Eligibility Requirements in Delaware

What Veterans and Active-Duty Service Members Need to Qualify

To qualify for a VA loan in Delaware, veterans and active-duty service members must meet VA service requirements, lender credit and income standards, debt-to-income guidelines, VA residual income guidelines and purchase a primary residence that meets VA minimum property requirements. Veterans with full VA entitlement can finance 100% of the purchase price with no loan limit, while partial entitlement may require a down payment based on remaining entitlement. Keep Reading...

Delaware VA Loan Limits 2026

John Thomas January 14, 2026 Tags: , , , , , ,
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Delaware VA Loan Limits 2026

Important Information for Veterans and Active-Duty Military

Delaware VA loan limits in 2026 only apply to veterans with partial entitlement. With full VA entitlement, there is no loan limit in Delaware and eligible borrowers can finance 100% of the purchase price. Veterans using partial entitlement are subject to a statewide limit of $832,570 across all three Delaware counties, with a required 25% down payment on any amount above their remaining entitlement. Keep Reading...

Conventional One Time Close Construction Loan

John Thomas January 14, 2026 Tags: ,
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The Conventional One Time Close Construction Loan is a home mortgage that allows borrowers to purchase a lot, build a home and obtain a permanent mortgage all combined into one first mortgage loan with one closing. It is a great option for borrowers wishing to build their own home with a private builder. If you are interested in a conventional OTC construction loan, then give the John Thomas Team a call at 302-703-0727 or APPLY ONLINE

Conventional One Time Close Construction Loan Highlights

The Conventional OTC Construction Loan has all of the following features which make it a great option for building your own new construction home: Keep Reading...

VA Loan Limits 2026 for Veteran Home Buyers

John Thomas January 7, 2026 Tags: , , ,
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VA Loan Limits 2026: Key Facts Veterans and Active Duty Service Members Should Know

VA loan limits for 2026 will only apply to veterans with partial entitlement. Veterans and active-duty service members who have full VA entitlement (100%) will have no loan limits. They can borrow up to 100% of the home’s purchase price even if it exceeds $1,500,000. If the vet has partial VA entitlement, the FHFA’s 2026 conforming loan limits come into play, and borrowing above your remaining entitlement loan limit will require a 25% down payment on the difference. Need to get pre-approved for a VA Home Loan to purchase or refinance, then call Loan Office John Thomas at 302-703-0727 or APPLY ONLINE. Keep Reading...

Conventional Manufactured Home Loans

John Thomas December 28, 2025 Tags: , ,
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Manufactured home buyers: looking for conventional financing options that cost significantly less than site-built homes? You can often find a manufactured home at half the cost of a traditional house in many markets. I’m John Thomas, a loan officer with Primary Residential Mortgage, and I help buyers understand conventional loan options for single-wide, double-wide, and multi-wide manufactured homes.

Here’s what you need to know upfront

Manufactured homes require stricter guidelines than site-built properties. Most conventional loans for manufactured homes require a minimum credit score of 620 and a down payment of 5% in most cases. You’ll also need mortgage insurance for down payments under 20%, and rates typically run higher compared to traditional home loans. Keep Reading...

USDA Manufactured Home Loans

John Thomas December 28, 2025 Tags: , , ,
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USDA Manufactured Home Loans: A Full Guide for Buyers

Quick Overview – Straight to the Point

USDA manufactured home loans help eligible buyers finance a new or existing manufactured home with
zero down payment. The home must be set on land you own and must meet USDA and federal construction standards. These loans are built for rural and many suburban buyers with moderate incomes who want affordable homeownership without FHA mortgage insurance or big upfront costs.  To find out if you qualify for a USDA Home Loan to purchase a manufactured home, call 302-703-072 or APPLY ONLINE Keep Reading...