Loan Program

A non-government loan that complies with the guidelines established by the Federal Housing Finance Agency (FHFA) and aligns with the funding criteria of Freddie Mac and Fannie Mae. Here are some of the requirements:

• Minimum 5% down payment of purchase price
• Minimum 3% down payment of purchase price for First Time Home Buyers
• FICO score of 620 or higher
• 1-4 unit properties

Insured by the Federal Housing Administration FHA and issued by an FHA approved lender. It features flexible options with lower minimum down payments and credit score requirements, providing accessibility to a diverse range of borrowers. Here are some of the requirements:

• Minimum 3.5% down payment of purchase price
• FICO score of at least 580 = 3.5% down payment
• FICO score between 500 and 579 = 10% down payment
• Mortgage Insurance Premium is required
• Must be primary residence

Tailored for eligible military veterans, service members, and their spouses, the VA loan offers substantial benefits. While originated by private lenders, these loans are guaranteed by the Department of Veterans Affairs (VA), providing exceptional advantages for qualifying individuals

Refinancing involves replacing an existing mortgage with a new loan, presenting opportunities to lower monthly payments, reduce interest rates, or pull equity out of your home. It’s a strategic decision to align your mortgage with your changing financial objectives.

If you require larger loan amounts, our Jumbo loans offer the financing solution you need. These loans surpass the limits set by government-sponsored enterprises and are designed for high-value properties.

A adjustable-rate mortgage (ARM) includes an interest rate that may vary over time, leading to changes in monthly payments. Although initial interest rates are often lower than those of fixed-rate mortgages, it’s important to assess potential rate adjustments at specific intervals during the loan term.

Tap into the equity of your home through a HELOC (Home Equity Line of Credit), offering a flexible line of credit for a range of financial needs. Borrow as required and pay interest solely on the amount utilized, providing versatility for ongoing projects or unforeseen expenses.

The DSCR Loan is designed for real estate investors seeking to purchase or refinance an investment property that is owned for business purposes.