Standard Loans
FHA Loan
FHA (Federal Housing Administration) Loans are designed to help make homeownership more accessible to low-to-moderate-income borrowers.
Key Benefits:
- 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%.
- Credit doesn’t have to be a barrier to your dream home—with an FHA Loan, you could qualify with a 580 credit score and possibly a lower score.
Conventional Loan
Conventional Loans are the most common loan types that offer more flexibility in terms of loan amounts, repayment terms, and 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.
- A Conventional Loan with a larger limit can offer you more wiggle room if you want to buy a more expensive home or purchase in a high-cost area.
Jumbo Loan
Jumbo Loans are 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 can get you into a higher-priced home that a Conventional Loan can’t cover. This means you could get more desirable land, square footage, location, or whatever’s important to you.
- 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%. We can work with you to find the right fit.
VA Loan
VA (Veterans Affairs) Loans are 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
02
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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