Government-Insured Loans

These types of loans are not created or issued by the government, they are just backed by them. They are designed to create opportunity for people that do not qualify for a Conventional loan or if Conventional is not a good fit

FHA

FHA  loans are very popular among buyers or homeowners that may need a little more flexibility with credit and/or debt-to-income. FHA loans have very competitive interest rates and they also provide both fixed and adjustable rate options. FHA also offers a renovation loan that can be used to purchase a home and have the ability finance the costs of rehabbing it all in one loan. 

VA

VA is specifically for active military members, veterans, reservist and surviving spouse of a veteran.  VA loans offer many advantages compared to other types of loans such as down payment requirements of as little as 0% without requiring mortgage insurance (MI). 

USDA

USDA is designed for specific rural locations and offers up to 100% financing. USDA offers other advantages compared to FHA and Conventional loans such as lower PMI/MI premiums. 

Reverse Mortgages

This program is a great option for homeowners age 62 and older. A Reverse Mortgage or HECM is a government-insured loan that allows a homeowner who meets certain criteria to access their equity to generate cash to either provide a more comfortable living or to supplement their existing income. 

Conforming and Non-Conforming Loans

The following are loans that meet Fannie and Freddie Mac terms and conditions along with loans that fall outside of their guidelines

Conventional

Conventional loans are some of the most common loans out in the market and they offer a variety of products with fixed or adjustable rate options that can fit an array of scenarios. 

Home Renovation Loans

Found the right home in the right neighborhood, but the house needs too much work? These loans are designed to help. Renovation loans allow you to use one loan to purchase and renovate your future home. 

Jumbo

A loan amount greater than the maximum conforming loan limit is considered to be a Jumbo loan. Jumbo loans have different, usually more stringent guidelines which is why our loan officers undergo the proper training in order to be well versed in this type of financing. 

In instances where traditional income documents such as W2s or tax returns can not be used to prove income, bank statements for 12 or 24 months can provide a solution. This is a very popular option with self-employed borrowers who tend to write-off substantial losses in their tax returns. 

Independent contractors who receive a 1099 for tax filings can qualify using this form alone. Many freelancers and contractors receive 1099 income and have a hard time qualifying for a mortgage under traditional agency guidelines. 

Investor Cash Flow mortgage program allows our clients to qualify based on rental analysis to determine property cash flow. No personal income required to qualify. This saves you from submitting complicated income statements and tax returns.

This program is for borrower’s to qualify using their liquid assets. No need to use employment, income or DTI to justify ability-to-repay. You'll qualify based on required assets that meet seasoning requirements. We have helped retirees, underserved self-employed, divorced with no income, and other borrowers with required seasoned assets to purchase or refinance. This easy to close loan is another solution helping borrowers with their home loan needs who could not under Agency guidelines.