Products

Conventional Loans

• Peace of mind: Rest easy knowing your principal and interest payment will never change.
• Easy to understand: There’s nothing complex about a fixed-rate mortgage. With payment stability, you can determine your budget with ease.
• Flexible mortgage terms: Payoff your mortgage at your preferred pace. Choose from several available term options.

FHA Loan

• Low down payment requirements
• Flexible credit requirements: Borrowers with less than perfect credit may qualify.
• Seller or gift-money contribution: Seller or gift-money contribution

VA Loan

• Little to no down payment: No money down is available for qualified borrowers.
• No monthly mortgage insurance required: Pay no monthly mortgage insurance premiums (PMI).
• Refinance opportunities: Qualified borrowers can refinance their VA loan into another VA loan or another type of loan into a VA loan.

USDA Loan

• No down payment: No down payment available to qualified borrowers.
• Comparable rates: Rates comparable with FHA and conventional loans.
• Seller contribution option: Seller can contribute up to 3% of the sale price toward your closing costs.

Refinancing

• Pay off your mortgage faster: Refinance into a shorter term to pay off your mortgage faster.
• Flexibility to finance closing costs: You may have the option to finance your closing costs and not pay them at closing.
• Convert home equity for cash. New roof? College fund? Cash out your existing equity and put it towards whatever you want.

Rehab Loans

• All-in-one-solution: Your purchase + renovation funds are rolled into one, single loan.
• Low down payment options: Low down payment options and flexible credit qualifying standards.
• Refinance available: If your current home needs repairs, refinancing is available

New Home Construction Loans

• Fund your dream home: Build a custom home to your liking.
• Interest only payments during construction: Interest only payments are paid during the construction phase.
• Multiple loan programs offered: Conventional, FHA and VA financing options are available.

Bank Statement Mortgages

• No tax returns required: Verify your income with bank statements.
• Greater credit flexibility: Credit scores, down to 660, are welcomed.
• Options at every turn: Interest only payment options available. Primary, second and investment homes allowed. Loans up to $1 million.