loan options

Explore Your Loan Options with Ebony Home Loans

Navigating the world of home loans shouldn't leave you feeling lost in the dark. The Ebony Home Loans Team is ready to light the way with a diverse range of mortgage options tailored to your unique circumstances. Whether you’re a first-generation home buyer or someone improving their credit score, we’re here to empower and guide you through every step of the home buying process.


Our selection includes specialized loan options for first-time homebuyers, designed to make your first venture into homeownership as smooth and accessible as possible. We also work to specifically grow mortgages for Black, Hispanic, and other minority families and have minority mortgage options that focus on community-focused home loans that address the specific needs of people of color.

For those facing credit challenges, our loan options for bad credit are crafted to help you overcome financial hurdles and pave the way towards owning your dream home. Our goal at Ebony Home Loans is not just to provide a loan, but to help you unlock your full financial potential, enhancing your ability to build wealth through inclusive homeownership programs.


Discover the right mortgage option for you with the Ebony Home Loans Team and take the first step towards a brighter financial future. And as always, if you have any questions, please don't hesitate to contact us!

Conventional Loans

Helping you live the dream of homeownership. For first-time buyers to experienced homeowners, conventional loans come in a variety of options to suit a broad spectrum of qualified borrowers.


  • Minimum 3% down payment required

FHA Loans

Making home ownership accessible and affordable. FHA loans are a great product that helps many people become homeowners. FHA loans are designed to benefit buyers who do not have perfect credit or a large down-payment.


  • Great for first-time home buyers
  • 3.5% down payment required
  • 6% sellers assist allotted

VA Loans

Let your military service bring you to your dream home. The VA loan is an excellent loan option that assists our Veterans with obtaining homeownership.


  • Great for active military and veterans
  • No down payment required

USDA Loans

The USDA home loan program helps lenders work with low and moderate-income families living in rural areas to make homeownership a reality. Providing affordable homeownership opportunities promotes prosperity, which in turn creates thriving communities and improves the quality of life in rural areas.


  • Great for first-time home buyers
  • No down payment required
  • Low fixed rate

Items Needed for Pre-Approval

When you prepare for the pre-approval process, make sure you have these items ready to go to make things go faster:


  • W2s from the last two years 
  • 1040 Federal Tax Returns from the last two years (all pages) 
  • Business tax returns and K1s (for business owners only)
  • 2 most recent paystubs 
  • 2 months of recent statements for all assets (checking, savings, money market, retirement, etc.) 
  • Driver’s license or passport 
  • Other documentation we might need may include:
  • Offer letter for employment, school transcripts, social security or pension award letters, divorce decree, bankruptcy papers, and short sale documentation

Calculate Your Monthly Payments

Curious about what your monthly payments might look like for your future home? Explore your possibilities with our easy-to-use mortgage calculator. This tool is designed to kickstart your homeownership journey, providing you with a clear picture of potential payments. Get started today and let’s open the conversation about stepping into your new home with confidence.