Providing different options to help you buy your ideal home.

Conventional Loans are loans meeting Freddie Mac & Fannie Mae guidelines, offering a variety of options with many advantages for qualitied borrowers. A conventional loan can be used on nearly all property types.

FHA is a government-based product offering affording homebuyers with an alternative to conventional financing featuring lower down payments, and more flexible guidelines.

The VA Loan is a government-based product specifically for Veterans. VA loans offer 100% financing allowing qualified borrowers to purchase with NO DOWN PAYMENT. VA loans also tend to have less restrictive qualifying terms than other loan program.

Jumbo loans are loans exceeding the current conforming loan limits (set by FHFA for Freddie Mac & Fannie Mae) These limits are typically reviewed and adjusted annually. Jumbo loans allow borrowers to obtain financing for loan amounts above the conforming limit.

Bridge loans are typically temporary loans that allow qualifying borrowers to use equity from an existing house to purchase a new house prior to selling the existing home. Once they close on the new home, they will sell the existing one and use the proceeds of the sale to pay off any previous mortgages, including the bridge loan.

A reverse mortgage is a financial agreement designed for homeowners typically over the age of 62, allowing them to convert part of the equity in their home into cash. The homeowner can borrow against the value of their home and receive funds as a lump sum, fixed monthly payment, or line of credit.

A HELOC, or Home Equity Line of Credit, is a type of loan that allows homeowners to borrow against the equity in their home. It functions much like a credit card, giving the borrower a revolving line of credit that they can draw from as needed.

An interest-only loan is a type of loan where, for a set period, the borrower pays only the interest on the principal balance, with the principal balance unchanged. During the interest-only period, the monthly payments are lower since the borrower is not paying any principal.

Manufactured Home Loans allow borrowers to purchase a manufactured home (modular or pre-built). These loans can be done with both conventional and FHA loans (Both types of loans have specific guidelines).

Construction loans are specialized financial products designed specifically for financing the building of a new home.

This is a type of loan that allows a borrower to qualify based on their Form 1099 from the previous year(s) and does not consider expenses reported on previous tax return(s).

This type of loan allows a borrower to qualify based on income calculated from the depletion of assets over time (i.e. income from using savings and investments over time).

This is a type of loan that allows a borrower to qualify based on income determined from deposits documents in monthly bank statements over a 12- or 24-month period. (some adjustments for reasonable expenses may be considered)

Non-Warrantable Condo loans allow borrowers to obtain financing for condominiums that do NOT investor guidelines (hence, non-warrantable).

DACA (Deferred Action for Childhood Arrivals) loans allow qualified borrowers who came to the United Stated when they were children to be considered for permanent financing for housing.

These are loans with underwriting guidelines allowing for borrowers with credit scores below 580 to be considered for permanent financing for housing.

These are loans with underwriting guidelines allowing for borrowers with No FICO scores to be considered for permanent financing for housing.

These are loans that allow borrowers to purchase a property where they intend to own the property short-term while they make improvements before then selling the property.

Codo-Tel loans allow borrowers to finance Condo-Tels

Foreign National loans allow citizens of foreign countries to purchase and finance properties in the United States where they do not have US credit or work history.

These loans are available to borrowers who cannot qualify for traditional mortgage financing. The loans are typically higher than market rate and are often temporary, or short-term in nature.

Investor Loans are loans for borrowers investing in real estate and buying houses they intend to hold and offer for leasing in the open market.

ITIN (Individual Taxpayer Identification Number) loans allow borrowers WITHOUT Social Security numbers (but WITH an ITIN number) to be considered for financing for the purchase and refinance of a house.

Land & Lot loans allow borrowers to purchase and secure vacant land, or lots within a defined development with intent to build on the land or lot at some point in the future.

DSCR (Debt Service Coverage Ratio) loans allow borrowers to qualify for loans for investment properties WITHOUT regard to their current income or debt levels. Borrowers are qualified based on credit score, down payment, and the market rent for the subject property..

USDA loans are loans provided for by the U.S. Department of Agriculture offering loans geared toward low-income residents of rural areas. USDA offers Zero Down payment options and features a reduced mortgage insurance premium versus other types of low-down payment loan offerings. USDA loans maintain maximum household income limits for borrowers to qualify.

DPA (Down Payment Assistance) loans offer borrower funds to be used toward the down payment for the purchase of a primary residence through grants, forgivable loans, and other secondary financing. Some DPA programs may be restricted based on household income. DPA loans are typically used in conjunction with Conventional, FHA, VA, & USDA loans.

The term "BRRRR" refers to a real estate investment strategy rather than a specific type of loan. BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. It's a strategy used by real estate investors to build a portfolio of rental properties with minimal initial capital.