Explore 2026 Mortgage Rates • FHA, VA, and Refinancing Solutions • Lower Rates Guaranteed • Personalized Financing • Fast Communication • Local Expertise •
Not Sure Which Loan Is Best For You?
Our job is to explain the different loan programs and guide you in choosing one that best suits you. Below is a simple breakdown of your options so you can feel confident about your next move.
Conventional Excellence
Conventional loans are the gold standard for home financing in the US. These loans offer maximum flexibility for those with stable credit and established savings, providing a direct path to homeownership without government-backed insurance requirements once you reach 20% equity.
Credit scores: Ideal for borrowers with higher credit scores to unlock the best market rates.
Down payment flexibility: Options starting as low as 3% for qualified first-time homebuyers.
Long-term savings: Lower overall costs over the life of the loan for buyers with strong financial profiles.
FHA Loans
Insured by the Federal Housing Administration, FHA loans are ideal for buyers seeking lower down payment options. They feature lower down payment requirements—as low as 3.5%—and more flexible credit standards than conventional loans.
Government-Backed Loan Options
Government-insured loans offer more flexibility, making homeownership accessible for those who might not qualify for traditional financing.
VA Loans
A special thank you to our veterans and active-duty military. VA loans allow for 100% financing, meaning $0 down payment. Plus, these loans do not require private mortgage insurance (PMI).
USDA Loans
Empowering homeownership in eligible rural and suburban areas across the state.
The USDA loan program is an excellent option for buyers with limited savings, offering 0% down payment programs for qualified borrowers. Designed to support community growth, it includes specific income and location requirements while providing some of the most competitive rates available in the market today.
0% Down Payment: Purchase your dream home without a traditional down payment requirement.
Accessible Criteria: More flexible credit and income guidelines tailored for suburban and rural buyers.
Local Expertise: Our team provides professional guidance on location-specific eligibility programs.
LOWER RATES • CASH OUT • DEBT CONSOLIDATION • MORTGAGE OPTIMIZATION •
Refinance
Lock in Your Future
Refinancing goes beyond simply securing a lower interest rate. Whether you're looking for cash-out options to fund home improvements, reduce your monthly payment, shorten your loan term, or leverage your home's equity, Dominion Capital Funding is here to help you make the most of your opportunities. We provide clear guidance, local mortgage expertise, and personalized refinancing solutions to help you determine if now is the right time to take the next step toward your financial goals.
Fixed-Rate Mortgage Options
30-Year Fixed Rate: The traditional choice with constant interest rates and monthly payments that never change. Ideal if you plan to stay in your home for seven years or longer, it allows you to lock in a rate for the life of your loan, offering long-term stability and easier qualification when interest rates are low.
15-Year Fixed Rate: This fully amortized loan features lower interest rates and lets you own your home twice as fast. While it requires higher monthly payments, many borrowers prefer the safety of a 30-year loan with voluntary larger payments to achieve the same result without the mandatory commitment.
Adjustable-Rate Mortgage Options
Hybrid ARM (3/1 ARM, 5/1 ARM, 7/1 ARM):
These increasingly popular ARMS—also called 3/1, 5/1 or 7/1—can offer the best of both worlds: lower interest rates (like ARMs) and a fixed payment for a longer period of time than most adjustable rate loans. For example, a "5/1 loan" has a fixed monthly payment and interest for the first five years and then turns into a traditional adjustable-rate loan, based on then-current rates for the remaining 25 years. It's a good choice for people who expect to move (or refinance) before or shortly after the adjustment occurs.
Adjustable Rate Mortgages (ARM):
When it comes to ARMs there's a basic rule to remember...
the longer you ask the lender to charge you a specific rate, the more expensive the loan.
Annual ARM:
This loan has a rate that is recalculated once a year.
2/1 Buy Down Mortgage:
Allows the borrower to qualify at below market rates so they can borrow more. The initial starting interest rate increases by 1% at the end of the first year and adjusts again by another 1% at the end of the second year. It then remains at a fixed interest rate for the remainder of the loan term. Borrowers often refinance at the end of the second year to obtain the best long-term rates. However, keeping the loan in place for three full years or more will keep their average interest rate in line with the original market conditions.
Monthly ARM:
With this loan, the interest rate is recalculated every month. Compared to other options, the rate is usually lower on this ARM because the lender is only committing to a rate for a month at a time, so his vulnerability is significantly reduced.