Our Comprehensive Mortgage Solutions

Discover an extensive range of mortgage options tailored to your unique financial needs and goals. From purchase and refinance programs to specialty financing solutions, we offer a variety of loan products designed to help you achieve your dream of homeownership or improve your financial position. Explore our comprehensive mortgage solutions and find the perfect fit for your individual circumstances.

Purchase Programs

Conventional Loans

  • Description: Fixed-rate and adjustable-rate mortgages with various terms, typically requiring a minimum down payment of 3-5% and conforming to loan limits set by Fannie Mae and Freddie Mac.

  • Benefits: Predictable monthly payments, a variety of loan terms, and options for primary residences, second homes, and investment properties.

Government-Backed Home Loans

  • FHA Home Loans: Lower down payments (as low as 3.5%), flexible credit requirements, and options for first-time homebuyers.

  • FHA 203(k) Home Loans: Financing for home purchases and renovations, combining both into a single loan.

  • VA Home Loans: No down payment, no private mortgage insurance (PMI) requirements, and competitive interest rates for eligible veterans, active-duty service members, and certain spouses.

  • USDA Home Loans: No down payment, flexible credit requirements, and competitive interest rates for eligible borrowers in rural and suburban areas.

Jumbo Mortgages

  • Description: Loans exceeding the conforming loan limits set by Fannie Mae and Freddie Mac, designed for borrowers seeking to finance luxury or high-priced properties.

  • Benefits: Ability to finance higher-priced properties, various loan term options, and fixed or adjustable-rate options.

Construction | Renovation Loans

  • Description: Financing options designed specifically for building or renovating a home, with funds disbursed in stages as construction milestones are reached.

  • Benefits: One-time closing costs, interest-only payments during construction, and flexible draw schedules.

Temporary Buydown Loans

  • Description: Mortgages with temporarily reduced interest rates for the first few years, allowing for lower initial monthly payments.

  • Benefits: Lower initial monthly payments, gradual increase in payments, and easier budgeting during the early years of the loan.

Refinancing Options

Conventional Refinance

  • Description: Replacing an existing mortgage with a new conventional loan, often to secure a lower interest rate or change loan terms.

  • Benefits: Lower interest rates, a variety of loan terms, and the ability to eliminate private mortgage insurance (PMI).

Government-Backed Refinance Programs

  • FHA Refinance: Refinancing an existing FHA loan to a new one, with options for cash-out refinance and FHA 203(k) refinance for renovations.

  • FHA Streamline Refinance: A simplified refinance option for borrowers with an existing FHA loan, requiring minimal documentation and no appraisal.

  • VA IRRRL (VA Streamline Refinance): A streamlined refinance option for borrowers with an existing VA loan, allowing for lower interest rates and monthly payments.

  • USDA Rural Streamline Refinance: Simplified refinancing for borrowers with an existing USDA loan, with the goal of lowering interest rates and monthly payments.

Student Loan Cash-Out Refinance

  • Description: A refinance option that allows borrowers to pay off student loan debt by using the equity in their home.

  • Benefits: Lower interest rates on student loan debt, potential tax benefits, and simplified monthly payments.

Debt Consolidation

  • Description: A refinance option that allows borrowers to consolidate multiple debts into a single mortgage payment, often at a lower interest rate.

  • Benefits: Simplified monthly payments, potential lower interest rates, and improved cash flow.

Specialty Financing Options

Home Equity Line of Credit (HELOC)

  • Description: A revolving line of credit using the borrower's home as collateral, allowing access to funds as needed.

  • Benefits: Flexible access to funds, interest-only payment options, and potential tax-deductible interest.

Second Mortgages

  • Description: A loan taken out on a property that already has a mortgage, utilizing the equity built up in the home.

  • Benefits: Access to additional funds, potential tax benefits, and the ability to keep the first mortgage in place.

Reverse Mortgages

  • Description: A loan option for homeowners aged 62 and older that allows them to convert a portion of their home's equity into cash, without having to sell the home or make monthly mortgage payments.

  • Benefits: Supplement retirement income, no monthly mortgage payments, and the ability to remain in the home.

HomeReady | HomePossible

  • Description: Affordable mortgage programs designed for low-to-moderate-income borrowers, offering lower down payment options and flexible credit requirements.

  • Benefits: Reduced down payment requirements, flexible credit qualifications, and potential lower mortgage insurance premiums.

Land Loans

  • Description: Financing options for purchasing land, either to build a home or for investment purposes.

  • Benefits: Flexible terms, various loan options, and the ability to secure a property before building.

Bridge Loans

  • Description: Short-term loans designed to help borrowers bridge the gap between selling their current home and purchasing a new one.

  • Benefits: Access to funds for a down payment, flexibility during the home buying process, and short-term financing.

Doctor | Physician Loans

  • Description: Specialized mortgage programs for medical professionals, offering lower down payment options and flexible underwriting guidelines.

  • Benefits: Reduced down payment requirements, no private mortgage insurance (PMI), and the ability to consider future income potential.

Interest Only Loans

  • Description: Mortgage options that allow borrowers to make interest-only payments for a set period of time, after which the loan balance begins to amortize.

  • Benefits: Lower initial monthly payments, flexibility in payment options, and potential tax benefits.

Bank Statement Program

  • Description: A mortgage program designed for self-employed borrowers, using bank statements instead of tax returns to verify income.

  • Benefits: Flexible income verification, various loan options, and the ability to qualify based on cash flow.

Non-Traditional Credit

  • Description: Mortgage options for borrowers with limited or no credit history, using alternative forms of credit to qualify.

  • Benefits: Opportunities for borrowers with limited credit, flexible qualification requirements, and the potential for homeownership.