Loan Programs

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 When the perfect home comes with a price tag above conventional limits, a Jumbo Loan can provide the financing you need. Designed for properties that exceed conforming loan limits, this loan type is ideal for luxury homes, second residences, or high-value investment properties. 

 Buying a home can feel out of reach when saving for a large down payment or managing past credit challenges. FHA home loans provide an affordable solution, especially for first-time buyers or those with limited savings.

Backed by the Federal Housing Administration, FHA loans make it possible to purchase a home with down payments as low as 3.5%.

 Backed by the U.S. Department of Veterans Affairs, VA loans allow qualified borrowers to purchase a home with no down payment, no private mortgage insurance, and highly competitive interest rates. These benefits make VA loans one of the most powerful financing tools available to those who have served our country. 

 With a fixed-rate mortgage, your interest rate remains unchanged for the entire loan term. This means predictable monthly payments and no surprises — making it easier to plan your long-term budget and secure your financial future. These loans come in 30 year loans down to 15 years, so you can match the payment with your budget!

 A Bank Statement Program Home Loan offers several benefits for self-employed individuals and borrowers with non-traditional income. This type of loan is specifically designed to provide flexibility and accommodate those who may not have the traditional income documentation required for a conventional mortgage. 

 A construction home loan is a short-term financing solution designed specifically to fund the building or renovation of a residential property. Unlike a traditional mortgage that provides a lump sum for an already-built home, this type of loan releases funds in stages as the construction progresses. The money covers materials, contractor labor, and related expenses.

 A HELOC (Home Equity Line of Credit) is a type of loan that allows homeowners to leverage the equity they have in their homes. This loan is a revolving line of credit that operates much like a credit card, with a predetermined credit limit and variable interest rate. The homeowner can borrow against this credit line as needed, using their home as collateral. 

  Are you planning to invest in property? Real estate can be a powerful step toward financial independence. Whether it’s a vacation home by the beach, a second home in your favorite city, or an investment property designed to generate income. Buy multiple units at once with this loan program. Most lenders can do up to 4. We can do up to 15 units with one loan.

 A DSCR home loan, is a type of mortgage specifically designed for real estate investors and rental property owners. It is a financial metric that measures the ability of a property’s rental income to cover its debt obligations. Unlike traditional loans, this loan type emphasizes the property’s cash flow over the borrower’s personal income or credit score. These loans appeal to real estate investors relying on rental income for mortgage payments.