Loan Programs
Explore conventional, FHA, VA, jumbo, refinance, and specialty loan programs — shopped across multiple lenders to fit your situation.
Conventional Loans
Traditional mortgage financing backed by private lenders with competitive rates for qualified borrowers.
Key Benefits
- Low down payment options available
- Fixed and adjustable rate options
- No monthly mortgage insurance with 20% down
- Loan amounts up to conforming limits
- Primary, second home, and investment properties eligible
Ideal For
Borrowers with good credit and stable income who want traditional financing with competitive rates.
FHA Loans
Government-insured loans designed to make homeownership accessible with flexible qualification requirements.
Key Benefits
- Lower down payment requirements than conventional
- Credit scores starting at 580
- Flexible debt-to-income guidelines
- Gift funds allowed for down payment
- Government-insured for added flexibility
Ideal For
First-time homebuyers, those with lower credit scores, or borrowers with limited down payment savings.
VA Loans
Government-backed financing for those who served, with no monthly mortgage insurance.
Key Benefits
- No down payment for eligible borrowers
- No monthly mortgage insurance
- Competitive interest rates
- A one-time VA funding fee may apply
- Reusable benefit for future home purchases
Ideal For
Veterans, active-duty service members, and eligible surviving spouses.
Jumbo Loans
Financing above conforming loan limits for higher-priced properties.
Key Benefits
- Financing above conforming loan limits
- Options for primary and second homes
- Strong credit and reserves typically required
- Fixed and adjustable rate structures
- Suited to higher-value properties
Ideal For
Well-qualified buyers purchasing higher-priced homes above conforming loan limits.
Investor Loans
Financing for rental and investment properties, including options based on the property’s cash flow.
Key Benefits
- Qualify based on property cash flow (DSCR)
- Personal income documentation often not required
- Financing for single and multi-unit rentals
- Build or expand a rental portfolio
- Purchase and refinance options
Ideal For
Real estate investors building or expanding a rental portfolio.
Bank Statement Loans
Flexible financing for self-employed borrowers, qualified using bank deposits instead of tax returns.
Key Benefits
- Qualify using bank deposits, not tax returns
- Designed for self-employed borrowers
- Personal and business statements considered
- Flexible documentation
- Purchase and refinance available
Ideal For
Self-employed borrowers and business owners whose tax returns don’t fully reflect their income.
ITIN Loans
Home financing for borrowers without a Social Security number who file taxes with an ITIN.
Key Benefits
- Available without a Social Security number
- Qualify using an Individual Taxpayer Identification Number
- Alternative credit may be considered
- A path to homeownership for ITIN filers
- Purchase and refinance options
Ideal For
Borrowers who file taxes with an ITIN rather than a Social Security number.
Lot / Land Loans
Financing to purchase residential lots or raw land, whether you plan to build soon or hold for the future.
Key Benefits
- Financing for residential lots and raw land
- Build now or hold for the future
- Options for improved and unimproved land
- Flexible terms based on your plans
Ideal For
Buyers purchasing a residential lot or raw land to build on or hold.
Refinance Options
Replace your existing mortgage with a new loan to lower your rate, reduce your term, or access home equity.
Key Benefits
- Rate and term refinance to lower payments
- Cash-out refinance to access equity
- Streamline options for FHA, VA, and USDA loans
- Remove PMI when you reach 20% equity
- Fund home improvements
Ideal For
Homeowners looking to reduce their monthly payment, shorten their loan term, or tap into their home equity.
Not Sure Which Loan Is Right for You?
We’ll review your situation and recommend the right program for your needs — at no cost or obligation.