Loan Options
We provide a wide range of mortgage programs
We can help you
We have access to numerous loan programs such as conventional and government insured. Alternatively, there are programs for credit and income profiles that do not fit those lending standards.
Conventional
Conventional Loans are fixed rate and adjustable. Offered to primary, vacation home and investment home buyers. Jumbo loans as well as Fannie Mae and Freddie Mac are included in this group.
FHA
FHA home loan has lower credit and qualification standards than conventional. As a result, the FHA loan is easiest to qualify. Credit scores as low as 580 are acceptable with 3.5% down .
VA
VA home loan is for eligible active duty, veterans, and select military spouses. More importantly, provide benefits of zero down payment, lower rates, and no monthly mortgage insurance.
USDA
USDA loans are available to home buyers with low-to-average income. Moreover, they offer zero down payment loans. However, USDA loans are limited to rural geographic areas.
HELOC
A home equity line of credit can be use to purchase a home with less money down. Consequently, avoiding the high rate of 90% financing of a Jumbo loan.
Jumbo
Jumbo Loan Easy close program requires fewer documents and have less reserve requirements than standard Jumbo loan lenders. We close faster and much easier. Check out our jumbo loans rates.
3% Down Payment
This low down payment loan does not require first-time buyer status. In Addition, there are no county income or loan amount restrictions. Low rates and Lower PMI may apply.
Renovation- FHA and VA
Renovation loans finance the purchase price plus the cost of renovation into one loan. While common for primary, vacation homes and investment. This is excellent for first-time buyers.
Renovation Conventional
Renovation Conventional Renovation loans finance the purchase price plus the cost of renovation into one loan. While common for primary, vacation homes and investment. Also excellent for first-time buyers.
First-Time Homebuyer
These programs provide less stringent qualification requirements and reduced rates. Therefore, it is easier for the first-time buyer to qualify for a new home. In addition, non-first-time buyers may consider low down payment loan program too!
40 Year Term
This Loan provides low monthly payments and a fixed rate over a forty-year term. In addition, it offers interest only for the first 10 years. As a result, this feature is favorable for investors.
Alternate Credit and Income
Alternate credit and income programs for borrowers that have had recent short sales, bankruptcies, and foreclosures. For the purpose of using cash flow to qualify, investors may apply for no income loans.
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We are avaialble 7 days a week by phone, to meet in person or apply on line.
