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Loan programs

Conventional Loans

Conventional loans are the most common loan type.  These loans are backed by Fannie Mae and Freddie Mac. The most well qualified buyers will gravitate towards this loan type.
Minimum down payment 3%
Minimum credit scores 620
Easiest Route

VA Loans

In our opinion these are the best overall loan types. VA loans are for discharged, active and surviving spouses. If you have your VA eligibility this will most likely be the best route.
0% Down
No Monthly Mortgage insurance
Lower rates than most loan types

FHA Loans

FHA loans are geared towards individuals who for numerous reasons won’t be able to qualify for conventional or VA. FHA loans are great for lower fico scores and lower down payment borrowers.
3.5% Down payment
Low rates even if credit isn’t perfect.
Competitive mortgage insurance

Jumbo Loans

Designed for people wanting to borrower more than the conforming loan limits. These are designs for the crème de la crème borrowers looking to buy luxury properties. They are the hardest loans to qualify for.
Loan amounts up to $3M
Competitive Rates
Can do 10% down

DSCR

For investors who don’t or can’t verify income. You can buy an investment property with 20% down and as long as it’s cash flow positive.
20% Down
Can buy without documenting income.
Great for investors

Down Payment Assistance

For first time home buyers wanting to buy a home with little to no money down.
Can buy a house with no money down
Great for first timers

Rate & Term Refinance

For those that are wanting to remove someone from the loan, lower the rate, lower the payment or shorten their term.
Typically, will improve your financial situation
Quick and Easy
Low costs

Cash Out Refinance

If you’re wanting to pull money out of the home for any reason. Maybe you’re wanting to renovate, buy an investment property or pay off debt. This is a great option to pull large sums of money.
Access to cash
Borrowing at low rates
Fast and easy

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