Find the Right Mortgage Loan Program for You

Conventional loans are a trusted option for borrowers with strong credit and a stable income. These loans are not government-backed, offering you greater flexibility with terms and fewer restrictions. With competitive interest rates and options starting at just 3% down, they are ideal for purchasing a primary residence, second home, or investment property. Whether you're a first-time buyer or planning to upgrade, a conventional loan could be the perfect solution for you.

Key Benefits:

• Flexible loan terms (fixed or adjustable rates)

• No upfront mortgage insurance for qualified borrowers

• Higher loan limits compared to FHA loans

FHA loans are crafted to make the dream of homeownership a reality, particularly for first-time buyers or those with lower credit scores. Supported by the Federal Housing Administration, these loans provide low down payment options and more accommodating qualification criteria. They are perfect for borrowers who might not meet the requirements for conventional loans but are eager to achieve their homeownership goals.

Key Benefits:

• Down payments as low as 3.5%

• Flexible credit score requirements

• Allows higher debt-to-income ratios

VA loans offer outstanding benefits for veterans, active-duty service members, and eligible surviving spouses. Supported by the U.S. Department of Veterans Affairs, these loans eliminate the need for a down payment and private mortgage insurance (PMI), making the dream of homeownership more accessible and affordable for the heroes who have served our country.

Key Benefits:

• No down payment required

• No private mortgage insurance (PMI)

• Competitive interest rates

If you're considering purchasing high-value properties that exceed conventional loan limits, jumbo loans are an excellent option. These loans are tailored for borrowers with strong credit profiles and stable financial situations, providing the necessary financing for larger loan amounts.

Key Benefits:

• Access to financing for luxury or high-cost homes

• Flexible loan terms (fixed or adjustable rates)

• Tailored solutions for qualified borrowers

Refinancing your home loan can be a strategic move to lower your monthly payments, secure a more favorable interest rate, or access your home’s equity. Whether your goal is to ease your financial load or finance a significant project, refinancing provides customized solutions to meet your unique needs.

Key Benefits:

• Potentially lower interest rates

• Access to cash for major expenses

• Adjust loan terms to align with your financial goals

A Home Equity Line of Credit (HELOC) lets you tap into your home’s equity as a flexible line of credit, similar to a credit card. It’s perfect for funding home renovations, paying for education, or covering unexpected expenses. With a HELOC, you only pay interest on the amount you borrow, making it a cost-effective solution for accessing funds when you need them.

Key Benefits:

• Flexible access to funds as needed

• Pay interest only on the amount borrowed

• Typically lower interest rates compared to personal loans or credit cards

Non-QM loans are designed for borrowers who don’t meet traditional loan criteria but still have the financial strength to secure a mortgage. Ideal for self-employed individuals, real estate investors, or those with unique income sources, Non-QM loans offer customized solutions for non-traditional borrowers.

Key Benefits:

• Flexible qualification criteria, such as alternative income documentation

• Options for those with lower credit scores or recent credit events

• Ideal for self-employed borrowers, investors, and high-net-worth individuals