Loan Products
Find the perfect mortgage solution for your homeownership goals
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Available Loan Programs
Conventional Loans
The most popular mortgage option with competitive rates and flexible terms
Key Features:
- •Down payments as low as 3%
- •Fixed or adjustable rates available
- •Loan amounts up to $832,750
- •Best for borrowers with good credit
Who it's for:
Homebuyers with stable income and credit scores of 620+
FHA Loans
Government-backed loans perfect for first-time homebuyers
Key Features:
- •Down payments as low as 3.5%
- •Lower credit score requirements (580+)
- •Flexible debt-to-income ratios
- •Assumable loans
Who it's for:
First-time buyers or those with limited down payment savings
USDA Loans
Rural development loans with zero down payment for eligible areas
Key Features:
- •$0 down payment for eligible properties
- •100% financing available
- •Competitive interest rates
- •Income limits may apply
Who it's for:
Buyers in eligible rural and suburban areas with moderate income
VA Loans
Exclusive benefits for veterans, active military, and eligible spouses
Key Features:
- •$0 down payment required
- •No private mortgage insurance (PMI)
- •Competitive interest rates
- •Limited closing costs
Who it's for:
Veterans, active-duty service members, and qualified surviving spouses
Jumbo Loans
Financing for luxury homes and high-value properties
Key Features:
- •Loan amounts exceeding conforming limits
- •Competitive rates for qualified borrowers
- •Flexible terms and structures
- •Available for primary and secondary homes
Who it's for:
Buyers purchasing properties above $832,750
Refinance
Lower your rate, reduce your term, or tap into your home's equity
Key Features:
- •Rate-and-term refinancing
- •Cash-out refinancing available
- •Streamline options for FHA/VA loans
- •Potential to eliminate PMI
Who it's for:
Current homeowners looking to optimize their mortgage
Non-QM Loans
Alternative financing solutions for unique situations and self-employed borrowers
Key Features:
- •Flexible income documentation
- •Alternative credit evaluation
- •Investor and asset-based programs
- •Solutions for unique situations
Who it's for:
Self-employed individuals, real estate investors, or those with non-traditional income
DSCR Loans
Investment property financing that qualifies based on rental income, not personal income
Key Features:
- •No personal income or tax returns required
- •Qualify using property's rental cash flow
- •Available for single-family, multi-unit, and short-term rentals
- •Ideal for scaling a real estate portfolio
Who it's for:
Real estate investors and landlords growing a rental portfolio
Doctor Loans (Up to 100% LTV)
Specialized financing for medical professionals with minimal down payment
Key Features:
- •Up to 100% loan-to-value financing
- •No PMI required despite low down payment
- •Student loan debt considerations
- •Competitive rates for physicians
Who it's for:
Physicians, dentists, and medical professionals
Commercial Loans (SBA)
Financing solutions for business properties and commercial real estate
Key Features:
- •SBA 7(a) and 504 loan programs
- •Commercial real estate financing
- •Business acquisition loans
- •Competitive terms for qualified businesses
Who it's for:
Business owners and commercial real estate investors
HELOC
Home Equity Line of Credit for flexible access to your home's equity
Key Features:
- •Revolving line of credit
- •Interest-only payment options
- •Use funds as needed
- •Potential tax benefits
Who it's for:
Homeowners with significant equity needing flexible financing
Frequently Asked Questions
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