Find the perfect loan for your lifestyle.

A mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders (like us). It’s designed specifically to help you purchase a home with fewer restrictions and with little to no down payment. The Veterans Affairs (or VA) loan is governed by the United States Department of Veterans’ Affairs and offers lower rates and lower payments.

Stick to your budget with a loan that’s simple and straightforward. A 30-year fixed rate mortgage is the most popular home loan option available. It is ideal for home buyers because of its straightforward structure and its predictable and steady monthly payment. With a 30 year fixed-rate mortgage, it is easy to set your budget because your total payment of principle and interest remain unchanged for the entire term of the loan.

The U.S. Department of Agriculture (USDA) insures loans to home buyers with low to moderate income moving to designated rural areas.

Are you purchasing a high-value property? Consider a jumbo loan! A jumbo loan is used to finance a property that’s too costly for a Conventional conforming loan.

This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate—and you’ll own your home twice as fast. 

May refer to the replacement of an existing debt obligation with a debt obligation under different terms. The terms and conditions of refinancing may vary widely by country, province, or state, based on several economic factors such as, inherent risk, projected risk, political stability of a nation, currency stability, banking regulations, borrower’s credit worthiness, and credit rating of a nation.

Take advantage of your home’s equity and get cash at closing to use where you need it most with a cash-out refinance. This is money that’s sitting in your home! This may be the perfect opportunity to knock out some home improvements, pay college tuition, or pay off high interest credit card debt.

Our new Fix & Flip program is designed for investors who are in the business of buying distressed homes, repairing them and then either selling them or holding them for rental income.

Simplified financing helps investors grow their portfolio.

A loan option with a low introductory rate and an interest rate that adjusts over time. Hybrid ARMs —also called 3/1, 5/1, 7/1 or 10/1 are available. For example, a “5/1 loan” has a fixed monthly payment and interest for the first five years and then turns into a traditional adjustable-rate loan, based on then-current rates for the remaining 25 years.

The Home Equity Conversion Mortgage (HECM) is FHA’s reverse mortgage program, which enables senior home owners, age 62+, to access a portion of the equity in their home. This program was also designed to allow seniors to purchase a new principal residence and obtain a reverse for purchase mortgage within a single transaction. The HECM program enables senior home buyers to relocate to other areas to be closer to family, or to “right-size” their new homes to better accommodate their individual needs.

Instead of paying for mortgage insurance when your “Loan-to-Value” (LTV) is greater than 80%, we can offer either:

Both can be done up to 95% LTV – meaning still only putting a 5% Down payment without mortgage insurance! Both loan programs – the interest you pay on these loans is tax deductible when used in buying a home!

*Note that per the IRS: You can’t deduct your mortgage insurance premiums if your adjusted gross income (line 11 on IRS Form 1040), is more than $109,000 ($54,500 if married filing separately).

No income? Use assets to qualify for a mortgage!

Borrowers with great credit, but no steady monthly income, may be able to use their assets to qualify for a mortgage. Compared to other asset depletion programs, our Asset Qualifier program essentially doubles the qualifying monthly income, since the draw period is only 5 years (qualifying assets / 60 months).

Buy a new home without having sold your old home.

Our new Bridge Financing program empowers you to access equity from your current home to purchase a new home, with no monthly payments on the bridge financing. You can gain a competitive advantage in a hot housing market by making a non-contingent offer on the new property.

We offer condotel financing with loan options designed to meet your unique needs. We’ll review your loan options and provide a common-sense prequalification from an underwriter, usually within 24-hours.

Investment property financing up to 80%

Simplified financing helps investors grow their profile. 

We understand the unique needs and challenges of property investors – that’s why we offer innovative solutions and common-sense underwriting designed to provide more options, great rates, and a smooth funding experiences.

Comprehensive financing options for Non-Warrantable Codnos:

There are a variety of down payment assistance programs nationwide that give you free money for a down payment on your home. Connect with one of our Loan Officers to find out your eligibility!

Foreign National Loans are mortgages offered to a non-resident of the United States. Financing real estate is generally done by US mortgage companies and banks to United States citizens. Lenders also offer loans to non citizens. They may be resident aliens, temporary residents or other classifications of either temporary or permanent status.

Construction only loans strictly finance the building of a house. Once the home is complete, borrowers must refinance into a permanent loan.