Loan Options

Down Payment Assistance

Down payment assistance is a loan program that rewards buyers who have high credit scores. Some buyers are eligible for a down payment as low as 1%.

FHA Loans

FHA loans are the most popular for first time buyers. They require a credit score above 580 and a down payment of 3.5%. Typically buyers choose this program because of the attainable requirements.

Conventional Loans

FHA loans are the most popular for first time buyers. They require a credit score above 580 and a down payment of 3.5%. Typically buyers choose this program because of the attainable requirements.

VA LOANS

VA loans are one way that we say thank you to our veterans. Veterans can qualify purchase a home with a down payment of ZERO. That’s right no down payment!

Refinance

Refinancing your mortgage can be a smart move if the savings you get from a lower interest rate will eventually outweigh your closing costs.

Cash Out Refinance

A cash out refinance can help you restructure your home loan and take advantage of the equity your home has built! This can help you use the money accrued for other expenses.

Niche Occupation Program

School Staff, Police Officers, HealthCare Workers & other first responders. did you know that your occupation could help you qualify for a lower down payment!

Bank Statement Program

Are you self-employed and cannot prove your income on your taxes? A bank statement program helps you qualify for a home using only your bank statements!

ITIN Programs

If you or someone you know files taxes with an ITIN number they can qualify for a home loan! Credit scores for these programs must be above 660!

JUMBO Loans

A jumbo loan (or jumbo mortgage) is a type of financing where the loan amount is higher than the conforming loan limits set by the Federal Housing Finance Agency (FHFA).

DSCR Investment Loan

The DSCR or debt service coverage ratio is the relationship of a property’s annual net operating income (NOI) to its annual mortgage debt service (principal and interest payments)

Commercial real estate (CRE) is income-producing property used solely for business (rather than residential) purposes. Examples include retail malls, shopping centers, office buildings and complexes, and hotels.

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