Loan Programs

Conventional Loan

Options that allow for up to 3% down.

FHA Loans

Smaller down payments and expanded qualifying ratios.

We can lend down to a 500 FICO score on FHA.

VA Loan

The VA Loan is very flexible. Benefits include: No down payment, No Private Mortgage Insurance, and 0% Funding Fee for disabled veterans.

USDA Loans

No pre-payment penalty, Low fixed interest rate, Lower monthly payments, No down payment required, flexible credit guidelines, and finance closing costs into the loan.

Down Payment Assistance Programs

Options available to assist with down payment and closing costs for qualified borrowers.

Jumbo Loans

Low rate options for loan amounts up to $4 million.

Bank Statement Loan

A bank statement loan requires only the bank statements of self-employed borrowers to determine if they can produce sufficient income to warrant approval for a mortgage loan. 12 and 24-month bank statement loans are available.

DSCR Loans

An investment property that is qualified with the cash flow of the residential property.

Home Equity Loans

Closed-end 2nd mortgages and lines of credit are available as stand-alone products or in combination with a 1st mortgage and a combined CLTV of up to 95%.

Vacant Land

Options to purchase land and hobby farms are available.

Doctor Loans

Practicing Physicians may qualify for $0 down and no mortgage insurance.

Renovation Programs

Streamline renovation loans that allow for the purchase and rehab of a home.