Discover Your Options

Find Your Perfect Match

Loan Types

Conventional

Conventional loans are available for buyers looking to purchase their main home, a second property, or an investment. They are also a choice for refinancing. Fannie Mae and Freddie Mac provide various conventional loan options that come with lower down payment possibilities. You may qualify for as little as 3% downpayment for a primary residence.  (For 2024, the conforming loan limit is $766,550 in most areas and $1,149,825 in higher-cost areas.)

USDA

The USDA provides the single-family housing guaranteed loan program, allowing qualified borrowers to buy homes in eligible rural areas designated by the rural housing program. This program enables borrowers to purchase a home without any down payment. You must not make more than a certain income depending on the location of the property.  You can look up the income eligibility here to see if you may qualify.

First-time Homebuyer

Are you a first-time homebuyer? We have some fantastic programs that may be right for you! Let us help you qualify and save money on your downpayment, interest rate or closing costs.

FHA

FHA, short for Federal Housing Administration, is a part of HUD (Department of Housing and Urban Development). These loans are insured by the Federal Housing Administration, making them particularly advantageous for first-time homebuyers and those with less-than-perfect credit or those with a high debt-to-income ratio. FHA loans can be had with a credit score as low as 580 and a 3.5%.  percent down payment.  FHA loan limits vary by county and can be found here.  

Jumbo

For borrowers looking to purchase or refinance a home with a mortgage amount that is greater than $766,550 (for a single-family home in most areas of the United States). Jumbo loans are a solution. Jumbo loans are riskers to lenders so be prepared for a higher credit score requirement, larger down payment, lower debt-to-income ratio and cash reserves. In addition, depending on the loan amount lenders may require more than one appraisal on the property.

Investment Property

Thinking about investing in real estate? We can help you qualify for a second primary home or investment property. We can help you plan for future goals or the perfect vacation spot now.

VA

You served our country. Let us serve you with up to a $0 downpayment VA interest rate reduction loan or find your new dream home. A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs (VA), accessible to most U.S. service members. VA loans eliminate the need for monthly mortgage insurance and allow veterans to buy a home without any down payment but you’ll need to pay a funding fee ranging from 1.25 percent to 3.3 percent at closing. Funding fees may be exempt so make sure you work with a loan officer who is knowledgeable about VA loans.

New Construction

Bank Statement Loan

Built for self-employed borrowers whose income is best reflected on bank statements vs. tax returns.

Main Features Of Our Bank Statement Loans

• 12- or 24-months bank statements

• Personal or business statements

• Expense factors down to zero

• As little as 15% down

• Credit score as low as 620

• Loans up to $3 million

• DTI up to 50%

• Combine bank statement income with other income sources..

No Document Loan

We offer a true no-document loan with up to 80% lending on investment properties with no income verification.

Main Features Qualify based on the property’s rental income

• DSCR calculated using gross rental income divided by P(I)TIA

• 1-4 family, warrantable and non-warrantable condos

• Close in an LLC or Corporation

• Loans up to $2.5Million

• Credit Score as low as 620

Refinance Options

Rate Term

A rate and term refinance enables you to replace your existing home loan with a new one, offering the flexibility to adjust your mortgage term or interest rate. It can help reduce long-term loan costs, lower monthly payments, or expedite loan repayment.

Student Loan Consolidation

Combine your multiple student loans into a single loan with a fixed interest rate through loan consolidation. With a Direct Consolidation Loan, you can merge federal education loans without any extra costs. By completing an application, selecting the loans to consolidate, and agreeing to repay the new loan, you'll have a single monthly payment instead of multiple payments for the consolidated loans.

Cash-Out Refi

A cash-out refinance is a mortgage refinance option that utilizes your accumulated home equity to provide you with cash by increasing your mortgage amount. Essentially, you borrow more than your current mortgage balance and keep the excess funds for yourself.

Debt Consolidation

These loans consolidate multiple debts into a single payment, reducing the number of payments you need to manage. Additionally, they may offer lower interest rates compared to your current payments.

Special Circumstances Refi

Obtain a special circumstance refinance to facilitate the buyout of a partner or spouse as stipulated in a legal document or divorce decree.