We offer expertise in the full spectrum of your options.
Purchase: A loan designed to help you buy a new home, offering various terms and conditions based on your financial situation and the property's value.
Refinance: A loan option that allows you to replace your current mortgage with a new one, often to secure a lower interest rate, shorten the loan term, or tap into home equity.
Conventional: A standard mortgage loan not backed by a government agency, typically requiring higher credit scores and offering competitive interest rates and flexible terms.
Jumbo: A mortgage that exceeds conforming loan limits, allowing for the purchase of high-value properties, often with stricter credit requirements and larger down payments.
FHA: A government-backed loan insured by the Federal Housing Administration, designed to help low- to moderate-income buyers with lower down payments and more flexible credit requirements.
VA: A loan guaranteed by the U.S. Department of Veterans Affairs, offering favorable terms, such as no down payment, for eligible veterans and active-duty military members.
USDA: A government-backed loan by the U.S. Department of Agriculture, offering low-interest mortgages with no down payment for eligible rural and suburban homebuyers.
1st Time Homebuyer: Special mortgage programs designed to assist first-time homebuyers with down payment assistance, reduced interest rates, or lower credit score requirements.
Investor: Loans tailored for real estate investors looking to purchase rental properties or income-generating assets, often with higher interest rates and different terms from primary residence loans.
Commercial: A loan used to finance non-residential properties, such as office buildings or retail spaces, typically with different underwriting criteria and repayment structures compared to residential loans.
Bad Credit: A loan designed for borrowers with low credit scores, often with higher interest rates and stricter terms to account for increased lender risk.
Interest Only: A loan where you pay only the interest for a set period, resulting in lower initial payments but requiring full principal repayment later.
Fix & Flip: A short-term loan tailored for real estate investors looking to purchase and renovate properties quickly for resale, often with higher interest rates and faster repayment terms.
Line of Credit: A flexible loan option allowing you to borrow against your home equity as needed, with the freedom to draw and repay multiple times within the credit limit.
Limited Documentation: A loan that requires less financial paperwork, designed for self-employed or unconventional borrowers, typically in exchange for higher interest rates.
Bank Statement Loans: A mortgage option for self-employed individuals, where approval is based on bank statements rather than traditional income verification, allowing for greater flexibility in qualifying.