Loan Programs
Explore our variety of loan options, each uniquely designed to suit different financial situations. Let us help you find the perfect fit for your needs.
The Starting Five
Individual needs vary, so no single mortgage suits all. However, there are a set of 5 core mortgage programs designed to accommodate the needs of most families seeking real-estate financing.
Conventional Loan
A conventional loan refers to a loan that meets Fannie Mae or Freddie Mac guidelines. You may qualify for this loan with as little as 3% down and PMI is no longer required after you have built 20% in equity.
3%
Down Payment
FHA Loan
An FHA loan, backed by the Federal Housing Administration, is a go-to choice for borrowers seeking lenient credit criteria and manageable down payments. Offering potential for down payment assistance and easy refinancing, it’s a flexible option suited for first-time and repeat homebuyers.
3.5%
Down Payment
VA Loan
A VA loan, designed for active-duty service members, veterans, and eligible surviving spouses, offers flexible credit options and zero down payment.
0%
Down Payment
USDA Loan
Considering a home in a designated rural area? A USDA loan might be for you. USDA loans offer an affordable path to homeownership, 100% financing and buyer-friendly guidelines. Whether you’re buying or refinancing, USDA loans make rural property ownership more achievable.
0%
Down Payment
Jumbo Loan
Seeking a larger loan for a luxury home or property in a high-cost area? Surpassing usual loan limits, Jumbo loans cater to luxury homes, upscale properties, and investment ventures, offering you greater financial flexibility.
10%
Down Payment
Outside The Box
Sometimes the cookie cutter loans will not fit your mortgage needs based on your unique profile. You work hard and you deserve to become an owner as well. These loan programs are designed for the borrower who cannot fit in the box created conventional standards.
DSCR Loan
A Debt Service Coverage Ratio loan could be an ideal loan for investors weary of handling income documents or verifying income for mortgage approval. This loan type concentrates on the income generated by the property itself. The crucial aspect is establishing whether the property’s income can sufficiently cover the loan repayment.
15%
Down Payment
Bank Statement
A Bank Statement Mortgage Loan is designed for self-employed borrowers, freelancers, or small business owners who may not have traditional income documentation. Instead of using tax returns or W-2s, we will use deposits verified per your bank statements to verify income.
10%
Down Payment
Foreign National
A Foreign National Loan is designed for non-US citizens seeking to purchase property in the U.S. These loans cater to foreign investors or international borrowers who may not have a traditional US credit history or income. These loans offer a pathway for international individuals to invest in US real estate.
25%
Down Payment
ITIN Loan
An ITIN loan is designed for individuals with an Individual Taxpayer Identification Number. This is typically used by non-U.S. residents, including foreigners & undocumented immigrants living in the U.S. These individuals can now purchase a property without going through traditional avenues of securing a mortgage.
20%
Down Payment
P&L Statement
A Profit and Loss statement loan serves as an effective option for self-employed individuals or small business owners. Instead of relying on tax returns, we utilize the P&L statement from your CPA for income verification. This presents a viable alternative for businesses whose tax returns might not accurately reflect the full extent of their income.
15%
Down Payment
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