find the right loan for you
Home Purchase Loans
Choose from a full suite of mortgage programs built to help you buy with ease.
Your home journey deserves a loan that truly supports it, which is why we offer a wide range of options including conventional, FHA, VA, and specialty programs tailored to different needs and financial goals. No two homebuyers are the same, so we take the time to break down each program clearly, walk you through the requirements, and guide you toward the best fit. With our team by your side, you can move from application to closing with confidence.
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Conventional Loans
Conventional loans are a popular choice for many homebuyers because they offer flexibility and strong long-term benefits. With competitive interest rates, multiple down payment options, and fewer restrictions than government-backed programs, they’re well suited for borrowers with solid credit. Conventional loans also allow you to remove mortgage insurance once you reach enough equity, helping reduce your monthly payment over time.
Conventional Loan Details
- Down Payments as low as 3.00%
- Fixed Terms available: 10, 15, 20, 25 and 30 years
- Interim ARM Products available: 5/6, 7/6 & 10/6 ARMs
- Temporary buydowns available (1-0, 1-1, 2-1, 3-2-1 options)
- High Balance available in eligible counties
- Primary Residence, 2nd Home/Vacation Property
- Non-Owner Occupied/Investment Property
- 1-4 unit Subject Properties with ADU (Accessory Dwelling Unit) allowable
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Government Loans - VA, FHA and USDA
Government loans offer accessible, affordable financing options designed to support a wide range of homebuyers. Programs like FHA, VA, and USDA loans provide features such as lower down payment requirements, flexible credit guidelines, and competitive interest rates. These loans make homeownership more attainable for buyers who may need added support, and many offer unique benefits like no down payment for qualified VA borrowers. Overall, government-backed loans can open the door to homeownership with added flexibility and security.
VA loan details
- Up to 100.00% financing with no Mortgage Insurance
- Fixed terms: 15-year & 30-year Fixed Rate
- Temporary buydowns available (1-0, 1-1, 2-1, 3-2-1 options)
- Jumbo Products available
FHA loan details
- FHA Purchase Mortgage with 3.50% Down Payment
- FHA 203K
- Fixed terms: 15-year & 30-year Fixed Rate
- Temporary buydowns available (1-0, 1-1, 2-1, 3-2-1 options)
usda loan details
- A zero-down program for eligible rural and suburban borrowers meeting income and property requirements.
- Up to 100.00% Financing
- Fixed term: 30-year only
- Temporary buydowns available (1-0, 1-1, 2-1, 3-2-1 options)
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Jumbo & Specialty Loans
Jumbo and specialty loans are designed for unique homebuying situations that fall outside conventional lending limits. Jumbo loans allow you to finance higher-priced homes, while specialty options, such as Non-QM loans and Reverse Mortgages, cater to borrowers with non-traditional income, credit profiles, or those seeking to tap home equity in retirement. These programs offer flexibility and tailored solutions, helping you achieve your goals even when standard loan options aren’t a perfect fit.
popular loan product options
- DSCR – Debt Service Coverage Ratio
- Asset Utilization
- Asset Depletion
- Bank Statement – Personal & Business Products available
- 1099 Programs
- P & L (Profit & Loss) Programs
- Bridge Loans
- Condo-Tel
- Fix & Flip
- Foreign National
- ITIN
- Interest Only Products
- LLC Vesting
- Mixed Use and Multi-Family Products
- Non-Warrantable Condo financing options
- HELOC’s – Home Equity Line of Credit available for Primary Residence, 2nd Home/Vacation Property & Non-Owner Occupied/Investment properties
- 40-Year Amortization Products