Loan Programs
Which mortgage is right for you?
There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs.
Mortgage Rate Options
Fixed Rate
A fixed-rate mortgage typically offers a stable interest rate for the entire life of the loan. This can help homeowners plan their long-term budget with predictable monthly payments.
Adjustable ARM
Adjustable-rate mortgages may offer lower initial rates that can change over time based on market conditions. These options can help those planning to move or refinance within a few years.
Interest Only
Interest-only payment options can provide lower monthly obligations during an initial period. This typically allows for greater cash flow flexibility before the full principal repayment begins.
Graduated Payments
Graduated payment programs may start with lower payments that gradually increase over time. This can help borrowers who anticipate their income will rise steadily in the coming years.
Loan Program Options
FHA Home Loans
VA Loans
USDA Loans
Jumbo Loans
FHA loans are government-backed mortgages that typically allow for a lower down payment. These programs can help individuals who may have modest credit scores or limited savings for a house.
VA loans are available to veterans, service members, and eligible surviving spouses. This benefit can provide competitive terms and typically does not require a down payment or private mortgage insurance.
USDA loans can help low-to-moderate income borrowers achieve homeownership in eligible rural areas. These loans may offer 100% financing options for those looking to buy outside urban centers.
Jumbo loans are intended for property values that exceed conforming loan limits. This option can help financing larger or high-value homes that may require a non-conforming mortgage solution.
Conforming & High Balance Conforming Loans
Fixed Rate 2nd Mortgage’s & HELOC
HECM Reverse- Refinance & Purchase
1031 Exchange Loans
Conforming loans adhere to the guidelines set by Fannie Mae and Freddie Mac. High Balance options provide additional financing room for purchase prices in higher-cost real estate markets.
Access your home equity without refinancing your primary mortgage. Fix your rate for stability or choose a Home Equity Line of Credit for flexible borrowing based on your ongoing financial needs.
Designed for homeowners aged 62+, HECM loans allow you to convert a portion of your home equity into cash or a line of credit, helping to secure your retirement without required monthly mortgage payments.
1031 Exchange loans facilitate the transition between investment properties by allowing for tax-deferred swaps. This strategic financing supports portfolio growth and capital preservation strategies.
NonQM Loans
Bank Statement / ALT Docs Loans
No Income Doc Loans
Tailored for self-employed individuals including HELOC, 1099 Income, P&L only, ITIN, and Asset Depletion programs. We use alternative documentation to verify your ability to repay.
Solutions for DSCR (Multi-State) investment properties, Foreign Nationals, and Asset Qualifiers. These programs focus on the property's income potential or your overall assets rather than traditional paycheck stubs.