Programs

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Conventional Loans

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Conventional

Conventional loans are typically a good option for homebuyers with higher credit scores and a consistent employment history.

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Conventional High Balance

Conventional High Balance loans are available in high cost areas only.

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HomeReady

HomeReadyTM is a loan program designed by Fannie Mae that helps individuals in limited income situations.

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Home Possible®

Home Possible® is a loan program designed by Freddie Mac to help more borrower achieve homeownership.

Government Loans

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FHA

FHA loans are partially insurance by the Federal Housing Administration and are designed to help individuals with limited down payments funds, imperfect credit, and/or limited income.

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VA

VA loans, guaranteed by the U.S. Department of Veterans Affairs, are an excellent 0% down payment option for military veterans and active duty servicemen and women.

Non-QM

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Full Doc

Full Doc Non-QM loans are designed for borrowers who have the income to support a conventional loan, but for one reason or another do not qualify.

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Bank Statement Loans

Bank statement loans are designed for self employed borrower looking to use alternative forms of income to qualify for a mortgage loan.

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DSCR

DSCR loans are designed for real estate investors looking for an alternate income method of mortgage lending.

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DSCR

DSCR loans are designed for real estate investors looking for an alternate income method of mortgage lending.

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Lite Doc

Lite Doc loans are bridge loans designed for real estate investors looking for a short-term financing solution.

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Lite Doc

Lite Doc loans are bridge loans designed for real estate investors looking for a short-term financing solution.

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Jumbo

Jumbo loans are loans that exceed the conforming loan limit determined by the Federal Housing Financing Agency.

Reverse Mortgages

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Reverse Mortgages

Reverse Mortgages allow individuals (typically 62 years and older) to tap into the unencumbered value of their property.

FREQUENTLY ASKED QUESTIONS

We Have Great Answers

A legal agreement by which a bank or other creditor lends money at interest in exchange for taking title of the debtor’s property, with the condition that the conveyance of title becomes void upon the payment of the debt.

Conventional loans, FHA loans, VA loans, fixed-rate loans, adjustable-rate mortgages, jumbo loans, and more

FHA stands for Federal Housing Administration, a government agency that insures the mortgage loans to help low- and moderate-income borrowers achieve the dream of homeownership.  Commonly utilized by first-time home buyers, but available to just about anyone.

A prequalification from a mortgage lender tells you the types of loans that are available, how much it may be willing to lend to you and what your payments could possibly be.

Identification, Income, Bank Statements, Property are some of the documents required.

A 20% down payment is ideal, but you have choices. Qualified buyers can obtain mortgages with as little as 3% down, or even no down payment.

Closing costs are typically about 3-5% of your loan amount and are usually paid at closing.

It depends what type of mortgage you’re attempting to get, and also what down payment you have, or if it’s a purchase or a refinance.

Interest rate is determined by multiple factors, including your credit score, the location of the home you purchase, the size of your down payment and your loan type, term and amount.

The APR includes both the interest rate and the fees that the lender charges to originate the loan.