Endless tailored options

Each of our loan options holds a special advantage to your specific needs.

 

Fixed-Rate loans are the most popular type of mortgage loan because the loan is based on an interest rate and monthly Principal / Interest payment that does not change over time.

Property taxes and insurance costs may fluctuate, but many borrowers find fixed-rate home loans to be the best mortgage for their needs because they can create a budget and rely on a steady payment. Fixed-rate mortgages are offered on all Conventional, FHA, VA and Jumbo loan products.
The term for a fixed rate loan is usually between 10-30 years.

Adjustable-rate mortgage differs from a fixed-rate mortgage because the rate changes periodically, usually in relation to a financial index, and the payments can go up or down depending on how the index performs.

When it comes to ARMs there's a basic rule to remember...the longer you ask the lender to charge you a specific rate, the more expensive the loan.

 

Our Most Popular Home Loans

 
 
Featured
Conventional
Conventional

Target Borrower:

  • A credit score of above 620 for most lenders

  • 3% down payment for first time homebuyers

  • 5% down payment for non-first time homebuyers

FHA
FHA

Target Borrower:

  • A credit score of above 580 for most lenders

  • 3.5% down payment

  • Fixed Rate and Adjustable Rate loans permitted

VA
VA

Target Borrower:

  • For Veterans or Surviving Spouses

  • A credit score of above 620 for most lenders

  • No down payment

  • Must have DD214 with an honorable discharge

USDA
USDA

Target Borrower:

  • A credit score of above 620 for most lenders

  • Property must be located in a rural area or town, generally areas with less than 20,000 people

  • No down payment

  • NOTE - Income limits apply

Jumbo
Jumbo

Target Borrower:

  • Loan amount above $647,200 in most counties

  • A credit score of above 680 for most lenders

  • Down payment starting at 10%

Bank Statement
Bank Statement

Target Borrower:

  • For Self Employed Borrowers who do not qualify with tax returns due to business expenses

  • Down payment starting at 10%

  • No Private Mortgage Insurance required for most lenders

  • Fixed Rate and Adjustable Rate loans permitted

  • Jumbo loans permitted

Super Jumbo Financing
Super Jumbo Financing

Target Borrower:

  • Full Income and Asset Documentation Loans

  • Between $3,000,000 and $10,000,000

  • Minimum of 35% Down Payment

NOTE: Usually require a significant amount of Reserves.

Debt Service Coverage Ratio
Debt Service Coverage Ratio

Target Borrower:

  • For Investors Only

  • Qualify based solely on cash flow generated from investment property and not on personal income

  • Can be used for residential or commercial properties

  • Down Payment starting at 10%

Asset Depletion
Asset Depletion

Target Borrower:

  • For borrowers who have a significant liquid assets who show minimal income

  • Traditional Income can be combined with asset income

  • A credit score of above 680 for most lenders

  • Down payment starting at 10%

 

We’ve been helping our clients reach their homeownership goals for 10+ years.
And we can do the same for you, too.

NEXT STEPS

Get Pre-Approved

This is the first step towards buying your home.
Pre-Approval allows you to:

  • Understand which home price you qualify for.

  • Focus on your home search with confidence.