Loan Programs
Find the right mortgage option for your goals
Conventional Loans
Flexible options for qualified borrowers with competitive rates and terms.
Who it's for:
Buyers with good credit and stable income who want flexible down payment options.
Benefits:
- •Down payments as low as 3% for first-time buyers
- •Competitive interest rates
- •Flexible terms (15, 20, or 30 years)
- •No mortgage insurance required with 20% down
FHA Loans
Government-backed loans designed to help more buyers qualify for homeownership.
Who it's for:
First-time buyers, those with lower credit scores, or buyers with limited down payment funds.
Benefits:
- •Down payment as low as 3.5%
- •More flexible credit requirements
- •Gift funds allowed for down payment
- •Competitive rates for qualified borrowers
VA Loans
Exclusive benefits for veterans, active-duty service members, and eligible spouses.
Who it's for:
Veterans, active-duty military, National Guard, Reserves, and eligible surviving spouses.
Benefits:
- •No down payment required
- •No private mortgage insurance (PMI)
- •Competitive interest rates
- •Flexible credit guidelines
Jumbo Loans
For high-value properties that exceed conventional loan limits.
Who it's for:
Buyers purchasing luxury homes or properties in high-cost areas.
Benefits:
- •Loan amounts above conventional limits
- •Competitive jumbo rates
- •Flexible terms available
- •Tailored solutions for high-value properties
Refinance
Lower your rate, reduce your payment, or tap into your home's equity.
Who it's for:
Homeowners looking to improve their current mortgage terms or access equity.
Benefits:
- •Lower monthly payments
- •Reduce your interest rate
- •Shorten your loan term
- •Cash-out options for home improvements or other goals
Non-QM Loans: Bank Statement Loans
Alternative financing for self-employed borrowers using bank statements instead of traditional tax returns to verify income.
Who it's for:
Self-employed individuals, business owners, freelancers, or contractors who have difficulty documenting income through traditional means.
Benefits:
- •Use bank statements instead of tax returns
- •12-24 months of bank statements typically required
- •Flexible qualification criteria
- •Ideal for borrowers with strong cash flow but complex income structures
Non-QM Loans: DSCR Loans
Investment property loans based on the property's rental income and debt service coverage ratio rather than personal income.
Who it's for:
Real estate investors, property investors, or those purchasing rental properties who want to qualify based on property performance.
Benefits:
- •Qualify based on rental income, not personal income
- •No personal income verification required
- •Ideal for investors with multiple properties
- •DSCR typically 1.0 or higher required
Non-QM Loans: VOE Loans
Loans using verification of employment as an alternative income verification method for borrowers with non-traditional employment.
Who it's for:
Borrowers with non-traditional employment, seasonal workers, or those with employment gaps who need alternative income verification.
Benefits:
- •Employment verification instead of tax returns
- •More flexible for non-traditional employment
- •Faster approval process
- •Suitable for borrowers with employment gaps or variable income
Non-QM Loans: Asset-Based Loans
Loans that use liquid assets or investment portfolios as the primary qualification factor instead of traditional income verification.
Who it's for:
Borrowers with significant assets but limited or irregular income, retirees, or high-net-worth individuals.
Benefits:
- •Qualify using assets instead of income
- •Ideal for retirees or high-net-worth borrowers
- •Flexible asset requirements
- •No traditional income documentation needed
Not Sure Which Program Is Right for You?
Every situation is unique.
Let's discuss your goals, timeline, and financial situation to find the loan program that best fits your needs.
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