Explore Our Loan Programs
Conventional Loans
Traditional mortgage loans with competitive rates and flexible terms.
Down Payment
3-20%
Credit Score
620+
Max DTI
45%
Key Features:
- Competitive interest rates
- Flexible down payment options
- PMI removal at 20% equity
- Multiple term lengths
Best For:
- Strong credit borrowers
- Primary residences
- Investment properties
- Second homes
FHA Loans
Government-backed loans with lower credit requirements.
Down Payment
3.5%
Credit Score
580+
Max DTI
57%
Key Features:
- Low down payment requirement
- Flexible credit guidelines
- Competitive rates
- Multiple term options
Best For:
- First-time homebuyers
- Lower credit scores
- Limited savings
- Primary residences
VA Loans
Special financing options for veterans and active military.
Down Payment
0%
Credit Score
620+
Max DTI
41%
Key Features:
- No down payment required
- No monthly PMI
- Competitive rates
- Flexible requirements
Best For:
- Veterans
- Active duty military
- Eligible spouses
- Primary residences
USDA Loans
Zero down payment loans for eligible rural properties.
Down Payment
0%
Credit Score
640+
Max DTI
41%
Key Features:
- No down payment required
- Lower mortgage insurance
- Competitive rates
- Fixed-rate terms
Best For:
- Rural homebuyers
- Low to moderate income
- Primary residences
- First-time buyers
Jumbo Loans
Premium financing for high-value properties.
Down Payment
10%
Credit Score
700+
Max DTI
43%
Key Features:
- Higher loan limits
- Competitive rates
- Various term options
- Multiple property types
Best For:
- Luxury homes
- High-cost areas
- Strong credit profiles
- Higher income buyers
Construction Loans
Finance your new dream home project.
Down Payment
20%
Credit Score
680+
Max DTI
43%
Key Features:
- Single closing process
- Interest-only during construction
- Flexible draw schedule
- Builder approval process
Best For:
- New construction
- Major renovations
- Custom homes
- Builder partnerships
Non-QM Loans
Alternative financing solutions for unique situations.
Down Payment
10%
Credit Score
600+
Max DTI
55%
Key Features:
- Bank statement programs
- Asset qualification
- Interest-only options
- Alternative income docs
Best For:
- Self-employed
- Real estate investors
- Foreign nationals
- Unique income situations
Adjustable Rate Mortgage
Flexible mortgage options with lower initial rates.
Down Payment
5%
Credit Score
620+
Max DTI
43%
Key Features:
- Lower initial rates
- Rate adjustment periods
- Rate caps protection
- Conversion options
Best For:
- Short-term homeowners
- Rising income expected
- Rate drop potential
- Lower initial payments
Reverse Mortgages
Convert home equity into cash for homeowners 62+.
Down Payment
N/A
Credit Score
0+
Max DTI
N/A
Key Features:
- No monthly payments
- Keep home ownership
- Tax-free cash access
- FHA insurance protection
Best For:
- Seniors 62+
- Significant home equity
- Primary residences
- Retirement planning