Loan Products
FHA (Federal Housing Administration) Loans
Designed to help make homeownership more accessible to low-to-moderate-income borrowers.
Key Benefits:
- Low down payment – You don’t have to put 20% down. If you qualify for an FHA Loan, your down payment may be as low as 3.5%.
- Flexible credit requirements – With an FHA Loan, you could qualify with a 580 credit score and possibly a lower score.
Conventional Loans
The most common loan types that offer more flexibility in terms of loan amounts, repayment terms, interest rates, and may be a good option for borrowers who have a strong credit history and a steady income. They include fixed-rate mortgages, adjustable-rate mortgages (ARMs), and balloon mortgages.
Key Benefits:
- Conventional Loans come in all shapes and sizes where you can get the perfect loan with the right term length, down payment, and more to best fit your needs.
- High loan limits can offer you more options if you want to buy a more expensive home or purchase in a high-cost area.
Jumbo Loans
Loans that exceed the loan limits set by Government-sponsored enterprises such as Fannie Mae and Freddie Mac. These loan limits are established to standardize mortgage lending and ensure liquidity in the housing market.
Key Benefits:
- A Jumbo Loan gives you more purchasing power to get you into a higher-priced home that a Conventional Loan can’t cover.
- There are many different Jumbo Loans for every situation. They come in both fixed- and adjustable-rate, have a variety of loan term options, and even down payments ranging from 10 to 20%.
VA (Veterans Affairs) Loans
Mortgage loans that are guaranteed by the Department of Veterans Affairs and are available to eligible veterans, active-duty military personnel, and surviving spouses.
Key Benefits:
- VA Loans offer some of the competitive mortgages on the market as a thank you for your service.
- On top of not requiring a down payment or mortgage insurance, you may qualify for a VA Loan with a credit score as low as 580. Your debt-to-income ratio is more flexible.
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Our Process Made Easy and Simple
Prequalification/Preapproval
Provide basic financial information to see your qualification
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Apply Now
Complete application and provide detailed financial documentation
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Underwriting & Approval
Our underwriting team will review the application, verify financial information, creditworthiness, and property appraisal to determine loan approval based on their criteria and conditions.
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Closing
Welcome to your new home!
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