Services

Conventional Loans

Conventional loans are the most common and widely available mortgage option. For borrowers with good credit, balanced income, debt, and funds for a down payment, they are often the least complicated way to get the most flexible mortgage options.

Requirements

  • Fixed-Rate for the life of the loan
  • Conforming Loan Limit: $510,400 ($675,600 in High Cost Areas)
  • 10, 15, 20 and 30-year terms available
  • Minimum FICO score of 620
  • Used to finance Primary Residences, Second Homes, and Investment Properties
  • Low down payment options available for qualified borrowers
  • Purchase and Refinance options
  • Gift funds accepted for down payment

FHA Loans

If you'd love to buy a home but lack good credit, a down payment, or are unable to cover closing costs, an FHA loan may be the solution for you. FHA financing was developed to provide homebuyers with an alternative to conventional financing and include attractive and flexible guidelines.

Requirements

  • FHA and USDA seller contributions are 3%
  • Minimum FICO score of 580
  • Great for first time home buyers
  • Seller can contribute up to 3% of borrower’s closing costs
  • Flexible mortgage guidelines
  • Purchase and refinance options
  • Gift funds accepted for down payment

VA Loans

VA loans are for veterans, service members, and eligible surviving spouses, with no mortgage insurance and zero down payment requirements.

Requirements

  • Flexible credit standards
  • VA Program financing with 0% down payment available
  • 30-year or 15-year fixed-rate terms
  • Adjustable mortgage rates available
  • No monthly mortgage insurance
  • Purchase and refinance options
  • Funding fee required (disabled is exempt)
  • Gift funds accepted for down payment

USDA Loans

A USDA loan is a mortgage option available to eligible homebuyers that is sponsored by the United States Department of Agriculture to promote homeownership in rural communities. USDA Loans, sometimes called "RD Loans," offer 100% financing options on eligible rural properties.

Requirements

  • FHA and USDA seller contributions are 3%
  • Term available: 30-year fixed
  • 100% financing (no down payment)
  • Single-family residence
  • Primary residence only
  • 3 years post-bankruptcy
  • 3 years post-foreclosure
  • Seller concessions up to 3%
  • USDA max loan varies on area and income, USDA offer purchase and refinance
  • Gift funds accepted for down payment

Jumbo Loans

If you need a loan that's above the current conforming limit of $510,400, then you've got yourself a jumbo loan. A fixed or adjustable-rate jumbo mortgage with flexible down payment options can help you move into that dream home or refinance your current mortgage. If you plan on putting less than 20% down, don't forget to ask about how you can avoid paying PMI.

Requirements

  • Up to 95% LTV w/ no mortgage insurance
  • Credit scores as low as 640 allowed
  • Less restrictive than traditional banks
  • Non-warrantable condos allowed
  • Low reserve requirements
  • Flexible income qualification
  • Primary, secondary, and investment properties
  • Gift funds accepted for down payment