Loan Programs

Conventional

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

Fixed Rate
10, 15, 20 and 30 year terms
Available for Purchase and Refinance Transactions

Low Down Payment Options Available for Qualified Borrowers
Can Finance Primary, Second Homes, and Investment Properties

FHA

FHA Loans are insured by the Federal Housing Administration (FHA), a branch of the U.S. Department of Housing and Urban Development, or HUD. FHA is often the best option for people who need a little extra flexibility when qualifying for a new home mortgage. You do NOT need to be a first time buyer – anyone who is buying a new home to use as their Primary Residence, or Second Home is eligible.

For Primary Residence or Second Home
A minimum of 3.5% down payment required – May be a gift!
Seller can contribute up to 6% of borrower’s closing costs

Flexible Mortgage Guidelines
Available for Purchase and Refinance Transactions

VA

The Department of Veterans Affairs (VA) offers financing on primary residences for Veterans. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice. It is generally easier to qualify for a VA loan than conventional loans.

Must be a Veteran, Active Duty Military, or member of the Reserves.
Up to 100% Financing – No Down Payment

Closing Costs May Be a Gift
Available for Purchase and Refinance Transactions
No Monthly Mortgage Insurance

USDA

The US Department of Agriculture USDA provides low down payment options to qualified borrowers, at very low interest rates, and with very low mortgage insurance premiums. If you are buying a home in an Rural Development -eligible area, and meet the program requirements, this loan is perfect for you.

100% Financing Available
10, 15, 20 and 30 year terms

For Primary Residence
House must be in a Rural Development-eligible area.

Jumbo

Jumbo Loans exceed the maximum loan amounts established by conventional loan limits, currently $510,400. A Jumbo Loan is right for you if you are looking to buy a high priced or luxury home.

Convenience of One Loan versus having Multiple Mortgages
Fixed and Adjustable Rate Mortgage Options

Reverse

A Reverse Mortgage is a loan for those age 62 and older that allows homeowners to convert their home’s equity into cash with no monthly mortgage payments.

*Not available in all states

Primary Home
No Monthly Mortgage Payments

For borrowers 62 years & older
Receive Money Monthly

Non-QM Programs

Non-QM loan programs offer flexible financing solutions for borrowers who don’t meet traditional mortgage guidelines. Perfect for self-employed individuals, real estate investors, and those with unique income documentation, these programs make homeownership and investment more accessible.

Bank Statement Qualification
Use 12–24 months of personal or business bank statements—no tax returns needed.
Self-Employed Friendly
Designed for business owners, freelancers, and independent contractors.
High Loan Amounts
Borrow up to $3.5 million with competitive rates and flexible terms.

DSCR Loans for Investors
No income or employment required—qualify using rental income only.
Interest-Only Options Available
Maximize cash flow with up to 10 years of interest-only payments.
Credit Event Flexibility
Recent bankruptcy, foreclosure, or short sale? You may still qualify.

Loan Programs

Conventional

Fixed Rate

10, 15, 20 and 30 year terms

Available for Purchase and Refinance Transactions

Low Down Payment Options Available for Qualified Borrowers

Can Finance Primary, Second Homes, and Investment Properties

FHA

For Primary Residence or Second Home

A minimum of 3.5% down payment required – May be a gift!

Seller can contribute up to 6% of borrower’s closing costs

Flexible Mortgage Guidelines

Available for Purchase and Refinance Transactions

VA

Must be a Veteran, Active Duty Military, or member of the Reserves.

Up to 100% Financing – No Down Payment

Closing Costs May Be a Gift

Available for Purchase and Refinance Transactions

No Monthly Mortgage Insurance

USDA

100% Financing Available

10, 15, 20 and 30 year terms

For Primary Residence

House must be in a Rural Development-eligible area.

Jumbo

Convenience of One Loan versus having Multiple Mortgages

Fixed and Adjustable Rate Mortgage Options

Reverse

Primary Home

No Monthly Mortgage Payments

For borrowers 62 years & older

Receive Money Monthly

Non-QM Programs

Bank Statement QualificationUse 12–24 months of personal or business bank statements—no tax returns needed.

Self-Employed FriendlyDesigned for business owners, freelancers, and independent contractors.

High Loan AmountsBorrow up to $3.5 million with competitive rates and flexible terms.

DSCR Loans for InvestorsNo income or employment required—qualify using rental income only.

Interest-Only Options AvailableMaximize cash flow with up to 10 years of interest-only payments.

Credit Event FlexibilityRecent bankruptcy, foreclosure, or short sale? You may still qualify.

Documents

Contact Info

Bank Statement Qualification
Use 12–24 months of personal or business bank statements—no tax returns needed.

Self-Employed Friendly
Designed for business owners, freelancers, and independent contractors.

High Loan Amounts
Borrow up to $3.5 million with competitive rates and flexible terms.

DSCR Loans for Investors
No income or employment required—qualify using rental income only.

Interest-Only Options Available
Maximize cash flow with up to 10 years of interest-only payments.

Credit Event Flexibility
Recent bankruptcy, foreclosure, or short sale? You may still qualify.