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Conventional loans are mortgages offered by private lenders that conform to Fannie Mae and Freddie Mac guidelines. They’re ideal for borrowers with strong credit and who want low down-payment options.
VA loans are guaranteed by the U.S. Department of Veterans Affairs and designed exclusively for eligible veterans, active-duty service members, and surviving spouses.
FHA loans are insured by the Federal Housing Administration, making them perfect for first-time buyers or borrowers with less-than-perfect credit. They require minimal down payment and have looser credit standards.
USDA loans, backed by the U.S. Department of Agriculture, help low-to-moderate income buyers in rural and suburban areas purchase homes with no down payment and competitive rates.
Non-Qualified Mortgages (Non-QM) give self-employed borrowers or those with “complex” income streams more flexibility in documentation and qualification.
Jumbo loans finance properties that exceed conforming loan limits, making them ideal for luxury home purchases or expensive markets. Rates remain competitive for well-qualified buyers.
Our DSCR (Debt Service Coverage Ratio) program lets real-estate investors qualify based solely on the cash flow of the property—no W-2 or tax-return verification needed. Ideal for rental homes, multi-unit buildings, or short-term rental portfolios.
Tap into your home equity tax-free without ever making a monthly mortgage payment. Our FHA-insured Reverse Mortgage lets homeowners (62+) access funds to supplement retirement, cover healthcare, or pay off existing debts.
Flexible financing for non-owner-occupied and commercial properties—everything from 1–4 unit rentals to office, retail, and mixed-use buildings. Competitive rates and customizable amortizations to fit your business plan.
A mortgage is a loan that you take out to finance the purchase of a home. It is a long-term loan typically repaid over several years. The property you purchase serves as collateral for the loan, and if you fail to make the mortgage payments, the lender can foreclose on the property.
Several factors come into play when determining mortgage eligibility. These include your credit score, income, employment history, debt-to-income ratio, and the amount of your down payment. Lenders also consider the property's appraisal value and condition.
A fixed-rate mortgage has a set interest rate that remains unchanged throughout the loan term. This means your monthly mortgage payments will also remain consistent. In contrast, an adjustable-rate mortgage (ARM) offers an initial fixed-rate period, after which the interest rate can fluctuate based on market conditions.
