Loan Programs
Explore our diverse range of loan programs designed to meet your unique financial needs. From conventional mortgages to specialized lending solutions, we have the right program for you.
Conventional Loan
The most common type of mortgage, ideal for buyers with good credit and stable income. Flexible terms and competitive rates available.
Key Features
- Down payment as low as 3%
- Fixed or adjustable rates
- Various loan term options
- No upfront funding fee
- PMI can be removed at 20% equity
FHA Loan
Government-backed mortgage insured by the Federal Housing Administration (FHA), designed for low-to-moderate-income borrowers or those with lower credit scores.
Key Features
- Down payment as low as 3.5%
- Credit scores of 580 or higher
- Requires an upfront mortgage insurance premium
- Ideal for first-time buyers
VA Loan
Exclusive benefits for veterans, active-duty service members, and eligible surviving spouses. No down payment required and competitive rates.
Key Features
- No down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Limited closing costs
- Reusable benefit
Refinance
Lower your monthly payment, reduce your interest rate, or tap into your home equity. Refinancing can help you achieve your financial goals.
Key Features
- Lower interest rates
- Reduce monthly payments
- Cash-out refinancing available
- Shorten loan term options
- No prepayment penalties
Non-QM Loan
Non-Qualified Mortgage programs for borrowers who don't fit traditional lending criteria. Flexible underwriting with alternative documentation.
Key Features
- Alternative income verification
- Credit challenges accepted
- Investment property friendly
- Interest-only payment options
- Flexible debt-to-income ratios
Bank Statement Loan
Perfect for self-employed individuals and business owners who may not have traditional income documentation. Use your bank statements to qualify for a mortgage.
Key Features
- Ideal for self-employed borrowers
- 12-24 months of bank statements required
- Flexible income verification
- Competitive interest rates
- Down payment as low as 10%
Ready to Get Started?
Our mortgage specialists are here to help you find the perfect loan program for your needs. Contact us today for a free consultation.