Loan Programs

Conventional Loans

A conventional loan is a mortgage not insured, or guaranteed, by the federal government. They’re popular with borrowers who have a stable job and income, who can afford a down payment, and people who are financially stable overall.

FHA Loans

An FHA mortgage is insured by the Federal Housing Administration designed to help borrowers with lower credit scores or limited savings qualify for a home loan. It offers down payment requirements as little as 3.5% and more flexible credit and income guidelines than conventional loans.

VA Loans

A VA mortgage is available exclusively to military service members, veterans, and certain surviving spouses. Backed by the Department of Veterans Affairs, these loans have no down payment, no private mortgage insurance, with competitive interest rates and flexible credit and income guidelines.

Jumbo Loans

A jumbo loan exceeds the loan limits set by government-sponsored entities, making it a non-conforming loan. Because the larger loan size, lenders often require stronger credit scores, larger down payments, and more comprehensive financial documentation.

USDA Loans

USDA loans are offered by the U.S. Department of Agriculture to help low-to-moderate-income borrowers purchase homes in rural areas. They often feature no down payment requirements, competitive interest rates, and flexible credit guidelines, making homeownership more accessible for eligible buyers in rural communities.

Down Payment Assistance

Saving for a down payment and closing costs to purchase a home is often challenging most first-time homebuyers, but it doesn’t have to be. There are programs that make homeownership affordable with low- and no-down payment options. Call us today to review your options.

Investment Property Loans

DSCR loans, or Debt Service Coverage Ratio loans, are designed for investment properties. Instead of focusing on a borrower's personal income, lenders evaluate the property's ability to generate enough net operating income to cover its debt obligations.

Renovation Loans

A renovation loan consolidates acquisition and repair expenses into one loan, simplifying the process of transforming a fixer-upper into a livable home or a profitable investment. Programs like the FHA 203(k) or Fannie Mae HomeStyle Renovation are common examples, offering borrowers a streamlined way to improve properties while managing costs under one financing solution.

Self-Employed Borrowers

Unique loans for self-employed borrowers are designed to accommodate the irregular income and documentation challenges they often face. Instead of relying solely on traditional pay stubs, these loans use alternative documentation such as bank statements, tax returns, and profit-and-loss statements to assess income stability and overall financial health. Lenders may require a stronger credit profile or a larger down payment, but these flexible underwriting criteria help self-employed individuals secure the financing they need to purchase or refinance a home.

Pursuing the Art of Home Financing

You have a CHOICE when you need mortgage financing, and it is a PRIVILEGE to be considered for the job! We hope to EARN your goodwill and begin a long-time FRIENDSHIP with you.