Mortgage Loan Programs

Conventional Loans

A Conventional Loan offer more flexibility and fewer restrictions for borrowers, especially those with good credit and income.

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FHA Loans

FHA Loans offer a lower down payment and credit score requirements. Great for First-Time Homebuyers.

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VA Loans

VA Loans are for military personell and veterans. They offer flexible guidelines, no down payment and no PMI.

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USDA Loans

These are rural housing loans that require specific property requirements and location. There are also strict income and purchase price limits.

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Down Payment Assistance

These loans help borrowers purchase a home with no money down. We have programs that allow credit scores as low as 600 with great rates.

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Jumbo Loans

Jumbo Loan programs are for higher priced homes above the Conforming Loan Limit. They require higher credit scores and down payment.

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Other Loan Program Options

Bank Statement Loans

We offer Bank Statement Loans for Self-Employed borrowers. These loans typically require higher credit scores and larger down payments. They are a great program for those that claim little to nothing on their tax returns.

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Construction Loans

Construction Loans offer borrowers the ability to have a home built on their own land. The loan finances the construction of the property. You make small payments as money is used to build the home and then converts to mortgage loan once complete.

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Debt Service Coverage Ratio (DSCR)

DSCR loans are used for investors that can purchase investment homes without using any personal income. These loans require higher credit score and down payment. Income is used from the rental income that is produced from the property.

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