Financing Programs

Conventional Loans

Ideal for borrowers with good credit and a stable income. Offers competitive rates and flexible terms.

Conventional loans are the most common type of mortgage, ideal for borrowers with strong credit scores, stable income, and a solid financial history. These loans are not backed by the government, allowing lenders more flexibility in terms of rates and loan structures. Conventional loans typically require a down payment of at least 3%, with better terms available for those who put down 20% or more. Borrowers can choose between fixed-rate and adjustable-rate mortgage (ARM) options, depending on their financial goals. These loans offer competitive interest rates, flexible repayment terms, and fewer restrictions on property types compared to government-backed loans.

FHA Loans

Backed by the Federal Housing Administration, FHA loans are great for first-time buyers with lower credit scores and minimal down payments.

Federal Housing Administration (FHA) loans are a great option for first-time homebuyers or those with lower credit scores who may struggle to qualify for conventional loans. These government-backed mortgages require a minimum down payment of just 3.5%, making homeownership more accessible. FHA loans are known for their more lenient credit and income requirements, making them ideal for those with past financial challenges. They also allow for higher debt-to-income (DTI) ratios, enabling borrowers to qualify even with existing debt. However, FHA loans do require mortgage insurance premiums (MIP), which protect lenders but add to the overall loan cost.

Jumbo Loans

For loan amounts exceeding conforming limits, ideal for luxury properties and high-cost markets.

Jumbo loans are designed for homebuyers purchasing high-value properties that exceed conforming loan limits set by Fannie Mae and Freddie Mac. These loans cater to luxury homebuyers and individuals purchasing in high-cost housing markets. Because they involve larger loan amounts, jumbo loans typically require higher credit scores (often 700+), a lower debt-to-income ratio, and larger cash reserves. Interest rates on jumbo loans can be slightly higher than conventional loans, but they offer flexible term options, including fixed-rate and adjustable-rate mortgages.

Bank Statement Loans

Perfect for self-employed individuals who may not qualify with traditional income documentation.

Bank statement loans are an excellent option for self-employed individuals, freelancers, and business owners who may not have traditional W-2 income documentation. Instead of requiring tax returns or pay stubs, lenders evaluate 12 to 24 months of bank statements to determine the borrower's income and ability to repay. These loans provide more flexibility for entrepreneurs, allowing them to qualify based on cash flow rather than reported taxable income. Bank statement loans can be used for purchasing a home, refinancing, or cash-out refinancing.

Foreign National Loans

Designed for non-U.S. citizens looking to invest in U.S. real estate without requiring a Social Security number.

Foreign National Loans cater to non-U.S. citizens who want to invest in U.S. real estate. These loans do not require a Social Security number or U.S. credit history, making them accessible to international buyers. Borrowers typically need to provide a valid passport, proof of income, and a significant down payment (usually 25% or more). Foreign national loans are often structured with adjustable interest rates and may require cash reserves to ensure financial stability. These loans are ideal for international investors looking to purchase rental properties, vacation homes, or second residences in the U.S.

ITIN Loans

For borrowers without a Social Security number, using an Individual Taxpayer Identification Number (ITIN) to qualify.

ITIN (Individual Taxpayer Identification Number) loans are designed for borrowers who do not have a Social Security number but still want to purchase a home in the U.S. These loans cater to immigrants, non-residents, and foreign workers who file taxes using an ITIN. ITIN loans typically require a larger down payment (usually 10-20%) and proof of income through tax returns, bank statements, or employer verification. While interest rates may be slightly higher than conventional loans, they provide an accessible path to homeownership for non-citizen residents.

Closed-End Second Mortgages

A fixed second mortgage that provides a lump sum for home improvements, debt consolidation, or other needs.

A Closed-End Second Mortgage is a fixed loan that allows homeowners to borrow a lump sum based on their home equity. These loans are commonly used for home improvements, debt consolidation, or large expenses. Unlike a HELOC, a closed-end second mortgage provides a one-time payout with fixed monthly payments and interest rates. These loans offer predictable repayment terms and do not require refinancing the primary mortgage.

Reverse Mortgages

For homeowners aged 62 and older, allowing them to convert home equity into tax-free income.

Reverse Mortgages are designed for homeowners aged 62 and older, allowing them to convert home equity into cash without selling their home. These loans provide tax-free payments, which can be received as a lump sum, monthly payments, or a line of credit. The loan balance is repaid when the borrower moves out or sells the home. Reverse mortgages are a great financial tool for retirees looking to supplement their income, cover medical expenses, or eliminate monthly mortgage payments.

VA Loans

Exclusive to veterans, active military, and their families, VA loans offer zero down payment and competitive interest rates.

VA loans provide an exceptional home financing opportunity for veterans, active-duty service members, and eligible military families. Backed by the U.S. Department of Veterans Affairs, VA loans offer 100% financing, meaning no down payment is required. Additionally, VA loans come with highly competitive interest rates, no private mortgage insurance (PMI) requirement, and flexible credit standards. These loans are designed to make homeownership more affordable for those who have served in the armed forces. VA loans can be used for purchasing a primary residence, refinancing an existing mortgage, or making home improvements through special VA-backed renovation programs.

Hard Money Loans

Short-term financing solutions for investors and property buyers needing fast funding, often based on property value rather than borrower credit.

HELOC (Home Equity Line of Credit)

A revolving credit line secured by home equity, offering flexible access to funds when needed.

A Home Equity Line of Credit (HELOC) is a revolving credit line that allows homeowners to borrow against the equity in their home as needed. HELOCs provide flexibility, allowing borrowers to withdraw funds, repay, and borrow again within a set time frame. These loans are useful for home renovations, major expenses, or emergency funds.

One-Time Close Construction Loans

Perfect for those looking to build their own home with a single loan covering both construction and permanent financing.

One-Time Close Construction Loans simplify the financing process for those building a new home. Instead of securing separate loans for construction and permanent financing, this loan combines both into a single mortgage. The loan covers the cost of construction, then converts into a traditional mortgage upon project completion. One-time close construction loans offer interest-only payments during the building phase and fixed or adjustable-rate options for the permanent loan. They help streamline the financing process, reduce closing costs, and eliminate the need for multiple loan approvals.

DSCR Loans

Debt Service Coverage Ratio (DSCR) loans cater to real estate investors looking to qualify based on rental income rather than personal income.

Debt Service Coverage Ratio (DSCR) loans are tailored for real estate investors who want to qualify for financing based on the income generated by their rental properties rather than their personal income. These loans focus on the property's cash flow and rental income to determine loan eligibility. DSCR loans are ideal for investors looking to expand their real estate portfolio without needing extensive income verification. They offer flexible down payment options, interest-only payment structures, and competitive loan terms, making them a great financing solution for property investors.

USDA Loans

Designed for rural and suburban homebuyers with low to moderate income, offering zero down payment options.

United States Department of Agriculture (USDA) loans are designed to help low- to moderate-income homebuyers purchase homes in rural and suburban areas. These government-backed loans require no down payment, making them one of the most affordable mortgage options. USDA loans offer low interest rates and reduced mortgage insurance costs compared to conventional loans. Eligibility is based on location and income level, with the goal of promoting homeownership in less densely populated areas. These loans can be used for purchasing a primary residence, making home improvements, or refinancing an existing USDA loan.

Commercial Loans

• Multifamily (5 units or more)

• Mixed-use

• Office

• Retail

• Industrial

• Storage and warehouse

• Medical

• Hotels and motels

• Mobile home parks

• Vacant land zoned commercia