Let us explore which loan product is right for you. We will inform you of the available options so you get a mortgage that is right for you.


Conventional Loans

We offer conventional mortgage loan options for 1-4 unit properties with low interest rates and various down payment options. Selling to Fannie Mae and Freddie Mac direct allows us to offer minimal underwriting restrictions, a simplified process and quicker closing.

Lower Down Payment Options

Fannie Mae HomeReady and Freddie Mac Home Possible mortgage programs are the ideal solution for qualified homebuyers with moderate or low incomes in underserved communities. These programs offer conventional alternatives to FHA loans, with both fixed and adjustable rates, competitive pricing, and down payments as low as 3%.

Fannie Mae Homestyle Renovations – For Those Who Love Fixer-Uppers.

Whether you are renovating or building from the ground up, Homestyle Renovation can help turn your home into your dream home.

FHA, VA, and USDA Loans

Take advantage of affordable financing programs for veterans, farmers, active duty servicemembers and other qualified homebuyers.

Federal Housing Administration (FHA) Loans


FHA(B) loans are government-insured, allowing borrowers to buy a home with a down payment as low as 3.5%. Including fees can be on options. The cost can be further reduced by sellers, builders, or lenders paying some or all of the closing costs, such as appraisal fees, credit reports and escrow and title costs.


The FHA 203(k) loan is also known as a rehab or construction loan and is ideal for fixer-uppers, as it allows a homebuyer to finance the home and associated renovations or repairs into one loan.

VA Loans

Veterans Affairs offers wonderful benefits for veterans, surviving spouses of a veteran and active-duty service members. VA loans allow 100% financing with no down payment and no mortgage insurance required the majority of time. Purchase, refinance or finance-to-buy loan options are available.

USDA Loans

Buyers in rural and farming areas can qualify for loans through the U.S. Department of Agriculture. These loans are tailor-made for farmers and other qualified buyers with low to moderate incomes and include low-interest loan rates with no down payment required.


Jumbo loans are available when the loan amount exceeds the conforming loan limit, set forth by Fannie Mae and Freddie Mac. Purchasing a luxury property or living in a higher cost area might require the mortgage to be a jumbo loan. Jumbo loans can have more restrictive underwriting guidelines with the same or lower interest rates offered as a conventional loan.

Reverse Mortgages

A loan with no monthly payment, secured by your home.

A Home Equity Conversion Mortgage (HECM) insured by FHA, allows seniors to convert the equity into income. Chose a lump-sum or monthly payment with no requirement to repay the loan. You must live in your home. No income or credit requirements must be met.

Money received from a reserve mortgage is tax-free and can be received as a line of credit, paid in a lump sum or monthly installments. Pay off debt, make much needed home repairs or use the funds for any other reason.

Reverse Mortgage Requirements:

  • Property must be your primary residence
  • Minimum age requirement: 62 years old
  • Equity requirements must be met

You CAN purchase your dream home. We can help.