Loan Programs

As a direct lender we offer a wide range of products and programs to fit almost any scenario.

We love options!

Below are a few of the most common loans utilized by our borrowers.

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Conventional

E

FHA 203k Rehab Loan

E

ARMs

E

USDA

E

Construction Loans

E

VA

E

Jumbo

E

Bond Programs

E

Reverse Mortgages

E

Bridge Loans

E

Down Payment Assistance

E

10, 15 and 20 Year Mortgages

E

First and 2nd Mortgage Combinations

E

Asset Depletion Loans

E

Home Ready

E

Home Possible Programs

Conventional Loan

  • As little as 3% down
  • *Please visit our Disclosures page for more details for all loan types

  • Monthly MI required if putting less than 20% down
  • Gift funds allowed
  • Reserves may be required
  • Debt to income limitations of 45-50%
  • 620 Minimum FICO
  • Fixed and adjustable rate options available

FHA Loan

  • Minimum down payment of 3.5%
  • Both upfront and annual mortgage insurance required
  • Gift funds allowed
  • No reserves necessary
  • More flexible debt to income requirements
  • 580 minimum FICO

VA Loan

  • No down payment
  • *Please visit our Disclosures page for more details for all loan types

  • Funding fee may be required depending on veteran’s exemption status
  • Most lenient debt to income ratio restrictions
  • Will accommodate various credit profiles
  • Lowest average interest rates of all loan types

Jumbo Loan

  • Loan amount exceeds county loan limits
  • Higher down payment and cash reserve requirements
  • Strict debt to income ratio restrictions
  • Subject to more rigorous underwriting guidelines
  • Strong credit profile needed

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