Loan Options

A conforming mortgage is one whose underlying terms and conditions meet the funding criteria of Fannie Mae and Freddie Mac.

• As little as 3% down payment with 620 score

• Loan amount up to $510,400 (1-unit)

• Seller can credit 3 - 9% toward closing costs

• Co-signers allowed to help in qualifying

• High-balance loan program

With competitive rates, lower down payments, and flexible qualifying criteria, FHA lending products are ideal for customers buying their first home, with limited cash reserves, or with no-to-little credit history.

• 3.5% down with a 580+ score; 10% down with a 500 score

• High-balance loan program

• Seller can credit up to 6% toward closing costs

• Co-signers allowed to help in qualifying

• $100 Down payment program (HUD must be seller)

Program designed specifically for military personnel, veterans, and surviving spouses of those who have so valiantly served our country.

• 0% down payment with scores of 500+

• Seller can credit up to 4% toward closing costs

• No monthly mortgage insurance

• Funding Fee and Property taxes waived for exempt persons

USDA loans are primarily used to help low-income individuals or households purchase homes in rural areas.

• 0% down payment

• Seller can credit up to 6% toward closing costs

Renovation loans allow financing for the purchase price as well as the cost of repairing or renovating the home all in one mortgage loan.

• HomeStyle (Conforming) with a 5% down payment with a 620+ score

• FHA 203K (Standard & Limited) with 3.5% down with a 580+ score

• VA Renovation with 0% down and a 620+ score

• USDA Renovation with 0% down with a 640+ score

The Jumbo Loan Program offers multiple options for those looking to finance higher-value properties.

• Borrow up to $3 million

• 40-year term with 10-year I/O available

• Borrow up to 95% for a purchase

• Credit scores as low as 620 for purchase/rate & term

This custom-tailored loan product offers you the chance to both build and finance the home of your dreams—all with just one application and one closing.

• Pay just interest-only payments during construction

• Loan amounts up to $3 million

• Simple and flexible draw process with no set schedule

• Build over a 12-, 18-, or 24-month construction term

• Second homes available

Unsecured personal loans are one type of emergency loan that can be far less expensive and safer than other types, like payday loans or cash advances. Borrowers with bad credit (300 to 629 FICO) may qualify, and many lenders fund loans the same day you apply.

• This program allows investors to cash-out equity in a rental property by qualifying using the cash flow only. 

• No personal income required to qualify.

For the investor who wants to purchase and renovate an investment property in order to sell it.  

• Financing for up to 90% of acquisition costs and 100% of renovation expenses, up to 75% After Repair Value

• No Tax Returns Required

• Exposure limit up to $10MM with individual loan amounts from $50K to $2MM

You may qualify for a lower payment without an appraisal. The FHA, VA and USDA Streamline Refinance programs are designed for homeowners to lower their mortgage rate and potentially reduce their payment through a “streamlined” qualification process. Conventional and Jumbo refinance programs also available.

If you have below-average credit due to events such as a recent foreclosure, bankruptcy or short sale, or if you are self-employed, we may be able to help with your home financing needs. 

• 1 day out of foreclosure, short sale, bankruptcy or deed-in-lieu

• Loans up to $1 million

• Credit scores down to 500

• Up to 90% LTV

• DTI up to 50% considered

• Owner-occupied, 2nd homes, and investment properties

• Seller concessions to 6% (2% for investment)

Bank statement mortgage programs are the perfect option for self-employed borrowers who need an alternative method to show the true cash flow of their business.

• No tax returns required

• 12 or 24 month personal or business bank statements

• Loans up to $3 million

• Up to 90% LTV on Personal and Business with no MI

• DTI up to 50% considered

• Owner-occupied, 2nd homes and investment properties 

• Seller concessions to 6% (3% for investment)