Experience swift processing with our efficient approval times and straightforward requirements. Our competitive fixed and adjustable-rate mortgage options are designed to match your financial stability and flexibility needs.
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Higher Credit Score Requirements: Conventional loans typically require a higher credit score, appealing to borrowers with strong credit histories.
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Larger Down Payments: These loans often require larger down payments compared to government-backed loans, but this can vary.
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Private Mortgage Insurance (PMI) Flexibility: PMI can be removed once you reach 20% equity in your home, potentially lowering your monthly payments over time.
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Variety of Loan Terms: Conventional loans offer diverse terms, ranging from 10 to 30 years, providing flexibility to fit different financial situations.
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No Government Insurance Fees: Unlike some government-backed loans, conventional loans don't require upfront or ongoing government insurance fees.
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No Down Payment Required: VA loans offer 100% financing to eligible veterans, active-duty service members, and certain members of the National Guard and Reserves, allowing for home purchases without a down payment.
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No Private Mortgage Insurance (PMI): Unlike many other loan types, VA loans do not require PMI, which can significantly reduce monthly mortgage payments.
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Limited Closing Costs: The VA limits the closing costs lenders can charge to VA loan applicants, making the home-buying process more affordable for eligible borrowers.
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Every journey to homeownership is unique, and what works for one person might not be the best fit for another. An FHA Loan could be your stepping stone if you're looking for a lower down payment and flexible credit requirements.
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Low Down Payments: FHA Loans require smaller down payments, making homeownership more accessible for those with limited savings.
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Flexible Credit Requirements: Ideal for individuals with less-than-perfect credit scores, offering a more inclusive path to owning a home.
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Competitive Interest Rates: FHA Loans often feature competitive interest rates, leading to potentially lower monthly payments.
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Ideal for First-Time Buyers: Particularly beneficial for first-time homebuyers or those who haven't owned a home in the past few years.
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100% Financing Options: Some FHA Loan programs offer 100% financing, eliminating the need for a down payment and making it easier to purchase a home.
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No Down Payment Required: USDA loans offer 100% financing, allowing eligible homebuyers to purchase a home without a down payment.
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Geographic and Income Eligibility: Designed for rural and suburban homebuyers, these loans have specific geographic eligibility requirements and are targeted at individuals with moderate to low incomes.
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Lower Mortgage Insurance Costs: Compared to other loan types, USDA loans typically have lower mortgage insurance costs, making monthly payments more affordable.
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Our Investor Loans are crafted for the strategic investor, from light documentation to no ratio loans, providing flexibility and high-value loan amounts for diverse property types.
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Investor Lite Document: Up to 75% LTV for purchases, rate/term refinances, and cash-out refinances with unlimited funds.
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Investor No Ratio (DSCR): Purchase and refinance options with a minimum 700 FICO score.
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Owner Occupied – Lite Docs: Tailored for personal home purchases with a minimum 680 FICO score.
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Owner Occupied – No Ratios: Ideal for first-time homebuyers, offering interest-only options on various terms.
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Our Alternative Documentation Loans offer a range of solutions for unique financial situations, including ITIN borrowers and first-time homebuyers living rent-free.
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Flexible Credit Requirements: Minimum 640 FICO for 75% LTV, with options for up to 85% LTV.
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Diverse Documentation Types: Full documentation, 12-month bank statements, P&L, and asset depletion all considered.
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Inclusive Financing: 100% gift funds allowed for down payment and closing costs up to 80% LTV.
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Non QM Loans
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Competitive Rates: Starting at 6.5%.
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Flexible Lending: Up to $150,000 for rehab costs ($250,000 in California).
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Efficient Processing: No income or asset verification for most deals.
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Smart Financing: No appraisal required for purchases or delayed purchase refinances.
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