Loan Programs

Fixed-rate mortgages

  • Set interest rate for the life of the loan

  • Your monthly payments of principal and interest remain the same for the life of the loan

Adjustable-rate mortgages (ARMs)

  • Interest rate may change periodically during the loan term

  • Your monthly payment may increase or decrease based on interest rate changes

Jumbo Loans

  • For borrowers needing higher loan amounts

  • Available as fixed-rate or adjustable-rate loans

FHA & VA loans

  • Government loans from the Federal Housing Administration and the U.S. Department of Veterans Affairs

  • Low down payment options with flexible credit and income guidelines

  • Available to homeowners aged 62 or older
    (spouse can be younger)
  • No Monthly Mortgage Payment
  • Borrower must occupy the property as a primary residence
  • Eligible for Purchase or Refinance
  • Borrower retains title and possession of the property

Hard Money/Non-QM Mortgage Loans

  • More relaxed underwriting guidelines
  • Ideal for borrowers who have had credit problems in the past, such as bankruptcy, foreclosures, late payments, or other credit issues
  • Great for self employed borrowers