Home Loan Programs
Conventional Loans
Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac. Typically, conventional loans have better rates, terms and/or lower fees than other types of loans. However, conventional loans typically require a borrower to have good-to-excellent credit, reasonable amounts of monthly debt obligations, a down payment of 5-20% and reliable monthly income. Conventional loans are ideal for borrowers with excellent credit and at least a 5% down payment.
FHA Loans
It's easy to understand why many people looking for a new home are turning to FHA insured loan programs. Because FHA Loans are insured by the Federal Housing Administration homebuyers have an easier time qualifying for a mortgage. Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit.
USDA Loans
A USDA Loan is a mortgage loan that is insured by the US Department of Agriculture and available to qualified individuals who are purchasing or refinancing their home loan in an area that is not considered a major metropolitan area by USDA.
VA Loans
A VA loan is a mortgage loan guaranteed by the U.S. Department of Veteran Affairs (VA) that is available to most US service members. It offers some very great benefits to those that have served our country.
HELOC/HELOANS
A HELOC is a revolving line of credit secured by your home’s equity, usually with a variable interest rate and flexible borrowing during a set draw period.
A HELOAN (home equity loan) is a fixed-rate, lump-sum loan secured by your home’s equity, repaid in equal monthly payments over a set term.
Reverse Mortgage
A reverse mortgage lets homeowners 62+ convert home equity to cash with no required monthly mortgage payments. You must live in the home and keep taxes/insurance current; the loan is repaid when you sell, move out, or pass away—and you or your heirs never owe more than the home’s value.
Specialty Programs
Specialty programs are flexible, non-QM options for borrowers who don’t fit traditional guidelines—examples include bank-statement loans, DSCR for investors, asset-depletion financing, and ITIN programs.
Important Pages
Terms of Service
Privacy Policy
Accessibility Assistance
State Licenses
UT #10450074
ID #MLO-2081284833
WY #106520
CO #100539640
FL #MLDB22702
