VA Loans

Home

Your Home Loan, Simplified

Payment Calculator

Find Your Perfect Loan

Fast, Simple, Transparent

Why Homebuyers Choose

Client Review

Ready to Make Your Move?

LOAN PROGRAMS

With access to hundreds of lenders, we compare options so you don't have to. One application. Multiple offers. A loan built around you.

Estimate your monthly mortgage

Estimated Monthly Payment

Principal & Interest Only

Whether you are buying your first home or your fifth, we have the right mortgage solution for you.

Our streamlined process gets you from application to keys in hand faster than traditional lenders.

We're not just another mortgage company. We're committed to making homeownership accessible and stress-free.

I have recommended Neil to all of my friends, family and co-workers because he is a pleasure to work with and always secures the best rate possible! I will definitely use Neil for all my future mortgage needs!

Candice S.

Home Purchase

Join the thousands of families who trusted the Shelton Mortgage Team to help them find the perfect place to call home.

Professional mortgage services tailored to your unique financial goals.

Quick Links

Contact

NMLS#

Company NMLS#

©

• navigate(link.path)} className="text-sm font-medium transition-colors" style= >
• Loan Programs
• } className="block w-full text-left px-4 py-2.5 text-sm transition-colors hover:bg-gray-50" style= >
• navigate('/contact')} className="px-6 py-2.5 rounded-lg text-white text-sm font-semibold transition-all hover:shadow-xl" style= > Find My Rate
• setMobileMenuOpen(!mobileMenuOpen)}>
• } className="block w-full text-left text-sm font-medium py-2" style= >
• } className="w-full px-5 py-2.5 rounded-lg text-white text-sm font-semibold" style= >Find My Rate
• navigate('/contact')} className="px-8 py-4 rounded-xl text-base sm:text-lg font-bold transition-all hover:shadow-2xl hover:-translate-y-0.5 flex items-center justify-center" style= > Find My Rate
• navigate('/contact')} className="w-full py-3.5 sm:py-4 rounded-xl text-base sm:text-lg font-bold transition-all hover:shadow-xl hover:-translate-y-0.5" style= > Get My Custom Rate
• navigate('/contact')} className="px-8 py-4 rounded-lg text-white text-lg font-semibold transition-all hover:shadow-xl hover:-translate-y-0.5 hover-lift" style= > Find My Rate
• navigate('/contact')} className="w-full bg-white px-6 sm:px-8 py-3 sm:py-4 rounded-lg text-base sm:text-lg font-semibold transition-all hover:shadow-xl hover-lift text-center" style= > Contact
• navigate(link.path)} className="block text-sm transition-colors hover:text-white" style= >

• } onBlur= >Skip to main content
• © {branding.privacyPolicyUrl && Privacy Policy
• Terms of Service

About

What Sets Us Apart

Let's Work Together

LOAN PROGRAMS

, dedicated to helping families achieve their homeownership dreams with integrity, expertise, and personalized service.

Whether you are a first-time buyer or an experienced investor expanding your portfolio, you will get the guidance and loan solutions to make your goals a reality.

Ready to take the next step? Reach out for a free consultation and personalized rate quote.

©

• navigate(l.path)} className="text-sm font-medium transition-colors" style= >
• Loan Programs
• } className="block w-full text-left px-4 py-2.5 text-sm transition-colors hover:bg-gray-50" style= >
• navigate('/contact')} className="px-6 py-2.5 rounded-lg text-white text-sm font-semibold hover:shadow-xl transition-all" style= >Find My Rate
• setMobileMenuOpen(!mobileMenuOpen)}>
• } className="block w-full text-left text-sm font-medium py-2" style= >
• navigate('/contact')} className="px-8 py-4 rounded-lg bg-white font-semibold text-lg transition-all hover:shadow-xl hover-lift" style= >Get in Touch
• navigate(l.path)} className="text-sm transition-colors hover:text-white" style= >

• } onBlur= >Skip to main content
• Privacy Policy
• Terms of Service

Services

Loan Programs & Services

Simple Steps to Your New Home

Common Questions

Not Sure Which Loan Is Right?

LOAN PROGRAMS

Explore our range of mortgage solutions designed to fit every need, whether you are buying your first home or refinancing an existing loan.

Schedule a free consultation and will help you find the perfect program.

©

• navigate(l.path)} className="text-sm font-medium transition-colors" style= >
• Loan Programs
• } className="block w-full text-left px-4 py-2.5 text-sm transition-colors hover:bg-gray-50" style= >
• navigate('/contact')} className="px-6 py-2.5 rounded-lg text-white text-sm font-semibold hover:shadow-xl transition-all" style= >Find My Rate
• setMobileMenuOpen(!mobileMenuOpen)}>
• } className="block w-full text-left text-sm font-medium py-2" style= >
• navigate(loan.path || '/contact')} className="text-sm font-semibold flex items-center gap-1 transition-colors" style= > Learn More
• setOpenFaq(openFaq === i ? null : i)} className="w-full flex items-center justify-between px-6 py-5 text-left">
• navigate('/contact')} className="px-8 py-4 rounded-lg bg-white font-semibold text-lg transition-all hover:shadow-xl hover-lift" style= >Schedule a Call
• navigate(l.path)} className="text-sm transition-colors hover:text-white" style= >

• } onBlur= >Skip to main content
• Privacy Policy
• Terms of Service

Contact

Let's Connect

Send a Message

Message Sent!

Frequently Asked Questions

Prefer to Schedule a Time?

LOAN PROGRAMS

Have questions? Need guidance? We're here to make your mortgage journey smooth and stress-free.

Fill out the form below and will get back to you shortly.

Thank you for reaching out. will get back to you shortly.

Something went wrong. Please try again.

Book a call directly on our calendar.

©

• navigate(l.path)} className="text-sm font-medium transition-colors" style= >
• Loan Programs
• } className="block w-full text-left px-4 py-2.5 text-sm transition-colors hover:bg-gray-50" style= >
• navigate('/contact')} className="px-6 py-2.5 rounded-lg text-white text-sm font-semibold hover:shadow-xl transition-all" style= >Find My Rate
• setMobileMenuOpen(!mobileMenuOpen)}>
• } className="block w-full text-left text-sm font-medium py-2" style= >
• setStatus('idle')} className="text-sm font-semibold" style= >Send Another Message
• setExpandedFaq(expandedFaq === i ? null : i)} className="w-full flex items-center justify-between px-6 py-5 text-left">
• navigate(l.path)} className="text-sm transition-colors hover:text-white" style= >

• } onBlur= >Skip to main content
• Call Now:
• Book a Time
• Privacy Policy
• Terms of Service

FHA Loans

FHA Loans Your Gateway to Homeownership

What Are FHA Loans?

Quick Qualification Check

FHA Loan Requirements

Credit Score

Debt Ratios

Down Payment

2026 FHA Loan Limits

Most Areas

High-Cost Areas

Alaska, Hawaii, Guam & USVI

FHA Loan Benefits

Frequently Asked Questions

Ready to Get Started?

LOAN PROGRAMS

Achieve your dream of homeownership with as little as 3.5% down. FHA loans offer flexible credit requirements and government backing, making them perfect for first-time homebuyers.

FHA loans are mortgages insured by the Federal Housing Administration, designed to make homeownership more accessible. These government-backed loans offer lower down payments, flexible credit requirements, and are especially beneficial for first-time homebuyers.

Get personalized FHA loan options with no impact to your credit score.

FHA loans have more flexible requirements than conventional loans, making homeownership accessible to more people.

*Subject to AUS Approval

Down payment can come entirely from gift funds from family members.

FHA loan limits vary by area. Here are the current 2026 FHA loan limits by area type.

See how FHA loans compare to conventional mortgages and why they might be the perfect choice for your homebuying journey.

Get answers to the most common questions about FHA loans

Let us help you navigate the FHA loan process and find the perfect home financing solution.

©

• navigate(l.path)} className="text-sm font-medium transition-colors" style= >
• Loan Programs
• } className="block w-full text-left px-4 py-2.5 text-sm transition-colors hover:bg-gray-50" style= >
• navigate('/contact')} className="px-6 py-2.5 rounded-lg text-white text-sm font-semibold hover:shadow-xl transition-all" style= >Find My Rate
• setMobileMenuOpen(!mobileMenuOpen)}>
• } className="block w-full text-left text-sm font-medium py-2" style= >
• navigate('/contact')} className="px-8 py-4 rounded-2xl text-white text-lg font-bold hover:shadow-xl transition-all flex items-center justify-center" style= >Get Pre-Approved
• navigate('/contact')} className="border-2 px-8 py-4 rounded-2xl text-lg font-medium transition-colors" style= >Check Eligibility
• navigate('/contact')} className="w-full text-white py-3 rounded-lg font-medium hover:shadow-lg transition-all" style= >Check My Eligibility
• setOpenFaq(openFaq === i ? null : i)} className="w-full flex items-center justify-between px-6 py-5 text-left">
• navigate('/contact')} className="bg-white px-8 py-4 rounded-lg text-lg font-semibold transition-all hover:shadow-xl hover-lift" style= >Contact Us Today
• navigate(l.path)} className="text-sm transition-colors hover:text-white" style= >

• } onBlur= >Skip to main content
• Privacy Policy
• Terms of Service

VA Loans

VA Loans For Our Heroes

What Are VA Loans?

VA Benefit Calculator

VA Loan Eligibility Requirements

Veterans

Active Duty

Guard & Reserves

Certificate of Eligibility (COE)

How to Get Your COE

Required Documentation

Exclusive VA Loan Benefits

Frequently Asked Questions

Honor Your Service

LOAN PROGRAMS

Honor your service with VA home loans designed for veterans, active military, and eligible spouses. $0 down payment, no PMI, and competitive rates to help you secure the home you have earned.

VA loans are a benefit earned through military service, backed by the Department of Veterans Affairs. These mortgages offer unmatched advantages for veterans, active-duty service members, and eligible surviving spouses, making homeownership more accessible and affordable.

Honor your service with the benefits you have earned.

Determine if you qualify for this valuable benefit based on your military service history.

Must have completed required training and meet other service requirements.

Your COE proves to lenders that you are eligible for a VA-backed loan. We will help you obtain it quickly.

Take advantage of these powerful benefits earned through your military service.

Get answers to common questions about VA loans and benefits

Let us help you take advantage of the VA loan benefits you have earned through your service.

©

• navigate(l.path)} className="text-sm font-medium transition-colors" style= >
• Loan Programs
• } className="block w-full text-left px-4 py-2.5 text-sm transition-colors hover:bg-gray-50" style= >
• navigate('/contact')} className="px-6 py-2.5 rounded-lg text-white text-sm font-semibold hover:shadow-xl transition-all" style= >Find My Rate
• setMobileMenuOpen(!mobileMenuOpen)}>
• } className="block w-full text-left text-sm font-medium py-2" style= >
• navigate('/contact')} className="px-8 py-4 rounded-2xl text-white text-lg font-bold hover:shadow-xl transition-all flex items-center justify-center" style= >Get Pre-Approved
• navigate('/contact')} className="border-2 px-8 py-4 rounded-2xl text-lg font-medium transition-colors" style= >Check VA Eligibility
• navigate('/contact')} className="w-full text-white py-3 rounded-lg font-medium hover:shadow-lg transition-all" style= >Check VA Rates
• setOpenFaq(openFaq === i ? null : i)} className="w-full flex items-center justify-between px-6 py-5 text-left">
• navigate('/contact')} className="bg-white px-8 py-4 rounded-lg text-lg font-semibold transition-all hover:shadow-xl hover-lift" style= >Contact Us Today
• navigate(l.path)} className="text-sm transition-colors hover:text-white" style= >

• } onBlur= >Skip to main content
• Privacy Policy
• Terms of Service

Conventional Loans

Conventional Loans The Flexible Choice

What Are Conventional Loans?

Quick Qualification Check

Conventional Loan Requirements

Credit Score

Down Payment

Debt-to-Income Ratios

2026 Conventional Loan Limits

Baseline (Most U.S. Areas)

High-Cost Areas

Alaska, Hawaii, Guam & USVI

Private Mortgage Insurance (PMI)

When PMI Is Required

PMI Removal Options

Frequently Asked Questions

Ready to Get Started?

LOAN PROGRAMS

The most popular home financing option in America. Flexible terms, competitive rates, and the traditional mortgage solution trusted by millions of borrowers.

Conventional loans are traditional mortgages not backed by government agencies like FHA, VA, or USDA. They offer the most flexibility and are ideal for borrowers with good credit and stable income. As the backbone of American home financing, they represent over 75% of all mortgage originations.

Traditional financing with flexible terms and competitive rates.

Conventional loans offer flexibility with competitive requirements for qualified borrowers.

Lower DTI ratios typically qualify for better interest rates and terms.

Understanding loan limits helps determine which conventional loan type fits your purchase price and property type.

Understanding PMI helps you make informed decisions about down payments and monthly costs.

Get answers to common questions about conventional loans

Explore your conventional loan options and find the perfect financing solution for your home.

©

• navigate(l.path)} className="text-sm font-medium transition-colors" style= >
• Loan Programs
• } className="block w-full text-left px-4 py-2.5 text-sm transition-colors hover:bg-gray-50" style= >
• navigate('/contact')} className="px-6 py-2.5 rounded-lg text-white text-sm font-semibold hover:shadow-xl transition-all" style= >Find My Rate
• setMobileMenuOpen(!mobileMenuOpen)}>
• } className="block w-full text-left text-sm font-medium py-2" style= >
• navigate('/contact')} className="px-8 py-4 rounded-2xl text-white text-lg font-bold hover:shadow-xl transition-all flex items-center justify-center" style= >Get Pre-Approved
• navigate('/contact')} className="border-2 px-8 py-4 rounded-2xl text-lg font-medium transition-colors" style= >Check Rates
• navigate('/contact')} className="w-full text-white py-3 rounded-lg font-medium hover:shadow-lg transition-all" style= >Check My Eligibility
• setOpenFaq(openFaq === i ? null : i)} className="w-full flex items-center justify-between px-6 py-5 text-left">
• navigate('/contact')} className="bg-white px-8 py-4 rounded-lg text-lg font-semibold transition-all hover:shadow-xl hover-lift" style= >Contact Us Today
• navigate(l.path)} className="text-sm transition-colors hover:text-white" style= >

• } onBlur= >Skip to main content
• Privacy Policy
• Terms of Service

USDA Loans

USDA Loans Zero Down Payment Rural Home Loans

USDA Loan Benefits

How USDA Loans Compare

Qualification Requirements

Property Location

Income Limits

Credit Requirements

Frequently Asked Questions

Ready to Explore USDA Loans?

LOAN PROGRAMS

Get 100% financing in eligible rural and suburban areas. USDA loans offer zero down payment, low mortgage insurance rates, and flexible credit requirements for moderate-income homebuyers.

Discover why USDA loans are one of the best-kept secrets in home financing.

See why USDA loans are often the best choice for eligible rural and suburban homebuyers.

USDA loans are designed for moderate-income families. Check if you meet the requirements below.

Must be in a USDA-designated rural or suburban area. Many areas just outside major cities qualify. Use the USDA eligibility map or contact us to check your desired location.

Limits vary by county and household size

Get answers to common questions about USDA loans

Find out if your dream home is in a USDA-eligible area and start your journey to homeownership.

©

• navigate(l.path)} className="text-sm font-medium transition-colors" style= >
• Loan Programs
• } className="block w-full text-left px-4 py-2.5 text-sm transition-colors hover:bg-gray-50" style= >
• navigate('/contact')} className="px-6 py-2.5 rounded-lg text-white text-sm font-semibold hover:shadow-xl transition-all" style= >Find My Rate
• setMobileMenuOpen(!mobileMenuOpen)}>
• } className="block w-full text-left text-sm font-medium py-2" style= >
• navigate('/contact')} className="px-8 py-4 rounded-2xl text-white text-lg font-bold hover:shadow-xl transition-all flex items-center justify-center" style= >Get Pre-Approved
• navigate('/contact')} className="border-2 px-8 py-4 rounded-2xl text-lg font-medium transition-colors" style= >Check Eligibility
• setOpenFaq(openFaq === i ? null : i)} className="w-full flex items-center justify-between px-6 py-5 text-left">
• navigate('/contact')} className="bg-white px-8 py-4 rounded-lg text-lg font-semibold transition-all hover:shadow-xl hover-lift" style= >Contact Us Today
• navigate(l.path)} className="text-sm transition-colors hover:text-white" style= >

• } onBlur= >Skip to main content
• Privacy Policy
• Terms of Service

Jumbo Loans

Jumbo Loans For Luxury Properties

What Are Jumbo Loans?

Jumbo Loan Calculator

2026 Loan Limits by Area

Standard Areas

High-Cost Areas

Jumbo Loan Thresholds

Jumbo Loan Benefits & Features

Jumbo Loan Qualification Requirements

Credit Requirements

Down Payment & Reserves

Frequently Asked Questions

Which Jumbo Program Fits You?

LOAN PROGRAMS

Specialized portfolio lending for luxury properties. Five distinct jumbo programs designed for unique borrower profiles, from first-time buyers to experienced investors.

Jumbo loans, also known as non-conforming loans, are mortgages that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). These loans are designed for financing luxury properties and homes in highly competitive real estate markets.

Specialized financing for luxury properties and high-value homes.

Conforming loan limits vary by area. Loans exceeding these limits require jumbo financing.

Any loan exceeding these limits in their respective areas requires jumbo financing.

Five specialized jumbo programs with varying DTI limits, reserve requirements, and property eligibility to match your unique situation.

Multiple jumbo programs with varying qualification requirements. We will match you to the program that best fits your profile.

Get answers to common questions about jumbo loans

Let our specialists analyze your profile and recommend the best jumbo program from our five specialized options.

©

• navigate(l.path)} className="text-sm font-medium transition-colors" style= >
• Loan Programs
• } className="block w-full text-left px-4 py-2.5 text-sm transition-colors hover:bg-gray-50" style= >
• navigate('/contact')} className="px-6 py-2.5 rounded-lg text-white text-sm font-semibold hover:shadow-xl transition-all" style= >Find My Rate
• setMobileMenuOpen(!mobileMenuOpen)}>
• } className="block w-full text-left text-sm font-medium py-2" style= >
• navigate('/contact')} className="px-8 py-4 rounded-2xl text-white text-lg font-bold hover:shadow-xl transition-all flex items-center justify-center" style= >Get Pre-Approved
• navigate('/contact')} className="border-2 px-8 py-4 rounded-2xl text-lg font-medium transition-colors" style= >Check Loan Limits
• navigate('/contact')} className="w-full text-white py-3 rounded-lg font-medium hover:shadow-lg transition-all" style= >Calculate Loan Amount
• setOpenFaq(openFaq === i ? null : i)} className="w-full flex items-center justify-between px-6 py-5 text-left">
• navigate('/contact')} className="bg-white px-8 py-4 rounded-lg text-lg font-semibold transition-all hover:shadow-xl hover-lift" style= >Get Pre-Qualified Today
• navigate(l.path)} className="text-sm transition-colors hover:text-white" style= >

• } onBlur= >Skip to main content
• Privacy Policy
• Terms of Service