Loan Programs
We offer a variety of loan programs designed to fit different needs, whether you’re buying your first home, upgrading to a larger property, or looking for flexible solutions for unique financial situations.
Let’s explore our loan programs to see which one might be right for you.
For First-Time Homebuyers
FHA Loans
For first-time homebuyers, FHA loans offer a pathway to homeownership with low down payments and flexible credit requirements.
These loans are government-backed, making it easier for those with moderate credit scores to qualify.
FHA loans are a popular choice because of their affordability and accessibility.
Down payments as low as 3.5%
More lenient credit requirements
Competitive interest rates
Ideal for first-time homebuyers
For Veterans
VA Loans
If you’re a veteran, active-duty service member, or eligible family member, you may qualify for a VA loan.
This government-backed loan offers fantastic benefits, including zero down payment options and no private mortgage insurance (PMI), making it a valuable tool for those who’ve served our country.
No down payment required
No PMI, reducing monthly payments
Lower interest rates for qualifying veterans
Dedicated support for our service members
For Rural or Suburban Areas
USDA Loans
For those interested in purchasing a home in rural or suburban areas, USDA loans can make the dream of homeownership even more attainable.
Backed by the U.S. Department of Agriculture, USDA loans are designed for low- to moderate-income buyers looking for affordable home financing.
No down payment for eligible properties
Low interest rates
Designed for rural and suburban areas
Income-based qualification
For Luxury or High-Value Properties
Jumbo Loans
For higher-value homes that exceed standard loan limits, jumbo loans are the way to go.
These loans allow borrowers to finance larger loan amounts, perfect for those purchasing luxury or high-value properties.
Higher loan amounts for high-value properties
Competitive interest rates
Customizable loan terms
For Good Credit & Steady Income
Conventional Loans
Conventional loans are the most common type of mortgage, ideal for those with good credit and steady income.
These loans come with flexible terms and can be customized to fit your needs, with options for both fixed and adjustable rates.
Flexible loan terms and interest rate options
Down payment options starting at 3%
No PMI with 20% down
For Business Properties
Commercial Loans
Whether you’re buying, refinancing, or expanding business property, commercial loans offer solutions tailored to entrepreneurs.
These loans are specifically designed for purchasing real estate that will be used for business purposes, helping you grow your business with smart financial backing.
Financing for business properties
Customized options based on business needs
Suitable for expanding or acquiring new property
For 62 or Older
Reverse Mortgages
If you’re 62 or older, a reverse mortgage can provide a source of income by tapping into your home’s equity.
This option allows homeowners to receive cash or monthly payments without needing to sell their homes, making it a great option for retirees.
Income stream using home equity
No monthly mortgage payments
Allows seniors to stay in their homes
For Unique Financial Situations
Non-QM Loans
For individuals with unique financial situations, non-QM loans (Non-Qualified Mortgages) offer flexibility that traditional mortgages don’t.
Whether you’re self-employed, rely on investment income, or have an unconventional credit history, non-QM loans could be the solution.
Flexible qualification requirements
Perfect for self-employed or non-traditional income earners
Options for varied credit histories
For Avoiding Contingent Offers
Bridge Loans
Bridge loans are short-term loans designed to bridge the gap between buying a new property and selling your current one.
This option provides quick access to funds, allowing you to secure your next home even before the sale of your current property.
Short-term financing for transitioning homeowners
Quick access to funds
Helps avoid contingent offers
Mortgage Rate Options
Fixed-Rate Mortgages
Enjoy a stable monthly payment with a fixed interest rate for the life of your loan. Ideal for homeowners planning to stay long-term and looking for predictability.
Adjustable-Rate Mortgages
Start with a lower initial rate that adjusts after a set period. Perfect for those planning to sell or refinance within a few years or anticipating future rate drops.
Interest-Only Mortgages
Pay only the interest for an initial period, keeping payments low upfront. Great for buyers expecting their income to grow or for short-term investors.
Graduated Payment Mortgages
Begin with lower payments that gradually increase over time. Best for buyers who expect their income to rise and want lower initial payments.
Frequently Asked Questions
What is an APR?
The APR is the yearly cost of a loan, including fees and points. It’s higher than the advertised rate and helps you compare loan offers. It doesn’t affect your monthly payment but shows the total loan cost.
When should I refinance?
Refinance when rates are 1-2% lower than your current loan. Even a small rate cut can save you money. For example, lowering a rate from 8.5% to 7.5% on a $100,000 loan could save you $70 per month.
What documents do I need to prepare for my loan?
You’ll need pay stubs, W-2s, tax returns, bank statements, and info on current debts. More documentation may be required based on your financial situation.
What is an appraisal?
An appraisal estimates a property's value to ensure the loan amount doesn’t exceed the home’s worth. It’s done by a licensed professional before loan approval.
How is my credit judged by lenders?
Lenders use credit scores to judge your creditworthiness, based on payment history, outstanding debt, credit length, and new credit applications. Scores range from 350 (high risk) to 850 (low risk).
Should I pay points to lower my rate?
Pay points if you plan to stay for a few years. It lowers your interest rate and monthly payments. If you’ll move soon, you might not save enough to cover the upfront cost.
Book a Homebuyer Consultation
Ready to Take the First Step Toward Your New Home?
Book a free homebuyer consultation today to get personalized advice, explore your options, and start on the path to your new home!
We've been helping clients afford the home of their dreams for many years and we love what we do.
Company NMLS: 1792270
Personal NMLS: 400921
