Loan Products & Programs to Suit Your Unique Financial Situation

A perfect mortgage comes in different shapes and sizes.

Let’s find a perfect mortgage for you.

The lenders (both national and local) we work with offer a wide range of traditional, portfolio, and non-QM loan products. These products include:

Conventional Loans

A conventional loan is a type of mortgage that is not guaranteed or insured by the government. It is offered by private lenders and is based on the borrower’s creditworthiness, income, and other factors.

Conventional loans typically have stricter requirements for down payment and credit score than government-backed loans, but they offer more flexibility in terms of loan amount and repayment options. Interest rates on conventional loans may be fixed or adjustable, and they can be used for various purposes, such as purchasing a home or refinancing an existing mortgage.

  • Property Type Requirements:
    • Primary Residence
    • Second Homes
    • Investment Properties (1 – 4 units)
  • New Construction
    • End-Loans (Builder Financed)
    • Draw-Loans (Borrower Financed)
  • Fixed or Adjustable Rate options
  • 1% Down Conventional loans
    • This program is specifically designed for borrowers with income at or below 50% of the Area Median Income (AMI).

VA Loans

A VA loan is a type of mortgage that is guaranteed by the U.S. Department of Veterans Affairs (VA) and is designed to help active-duty military personnel, veterans, and their eligible spouses buy a home. VA loans may be used to purchase a primary residence, refinance an existing mortgage, or make home improvements. VA loans have many valuable benefits such as:

  • $0 down payment requirement
  • Low-interest rates
  • No private mortgage insurance (PMI).
  • Reduced lender fees.
  • The ability to finance some/all of the closing costs into the loan.

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FHA Loans

An FHA loan is a type of mortgage that is insured by the Federal Housing Administration (FHA), a government agency within the U.S. Department of Housing and Urban Development (HUD).

FHA loans are designed to help homebuyers with low or moderate income and limited credit history qualify for a mortgage. FHA loans have less stringent requirements than conventional loans, including a lower minimum down payment, lower credit score requirements, and more flexible debt-to-income ratios. FHA loans can be used to purchase a primary residence or refinance an existing mortgage.

USDA Loans

A USDA loan is a type of mortgage that is guaranteed by the U.S. Department of Agriculture (USDA) and is designed to help people buy homes in rural areas or suburban areas that are eligible for USDA financing.

USDA loans offer several benefits, including no down payment requirements, competitive interest rates, and flexible credit score and income requirements.

To be eligible for a USDA loan, the property must be located in an eligible rural area, and the borrower must meet certain income requirements based on their location, family size, and other factors. USDA loans can be used to purchase a primary residence, and they may also be used to make home improvements or repairs.

Jumbo Loans

A jumbo loan is a type of mortgage that exceeds the limits set by the Federal Housing Finance Agency (FHFA) for conforming loans. In most areas of the United States, the conforming loan limit is $726,200 for a single-family home in 2023.

Jumbo loans are typically used to finance higher-priced properties, such as luxury homes, and they often have stricter credit score and debt-to-income requirements than conforming loans.

Jumbo loans may also have higher interest rates and require a larger down payment than conforming loans. Jumbo loans can be fixed-rate or adjustable-rate mortgages and can be used to purchase a primary residence, a second home, or an investment property.

Non-QM Loans

A non-QM (Qualified Mortgage) loan is a type of mortgage that does not meet the criteria for a QM loan, which is a type of mortgage that meets certain federal guidelines designed to ensure that borrowers have the ability to repay their loan.

Non-QM loans are typically offered to borrowers who have unique financial situations or do not meet the strict underwriting requirements of QM loans. They may have more flexible underwriting criteria, such as allowing for higher debt-to-income ratios, lower credit scores, or non-traditional sources of income.

Non-QM loans can be used to purchase a primary residence, a second home, or an investment property. These are the non-QM loans we currently offer:

  • Debt-Service-Coverage-Ratio (DSCR) Loans
  • Bank Statement Loans
  • 1099-Only Loans
  • Ability to close in an LLC
  • 10% Down No PMI options

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