Products We Offer

Conventional loans are backed by government-sponsored enterprises, Fannie Mae, and Freddie Mac. These entities provide liquidity in the mortgage markets which allows lenders to originate more loans. Conventional loans offer flexible down payment options, lower-priced mortgage insurance premiums, low-interest rates, no-prepayment penalties, escrow waivers, custom terms, and are the most preferred type of mortgage financing.

High balance mortgage loans subject to high-cost area loan limits set annually by the Federal Housing Finance Agency. These loans facilitate the purchasing and refinancing of higher-priced homes following similar qualification criteria, allowing for higher loan amounts with the same features as conventional loans.

Jumbo loans are typically those loan amounts that exceed FHFA high-cost limits. Higher priced and luxury homes fall in this category. These loans benefit more conservative borrowers as they require lower debt to income ratios, higher credit scores, larger down payment, and reserves. Interest rates are the lowest at higher credit scores and lower loan to values.

The USDA Rural Development Guaranteed Housing Loan Program fits low to moderate-income borrowers purchasing a home in a designated rural area. These loans are for primary residences only with income limitations. It features 100% financing with low rates and flexible underwriting with no pre-payment penalties.

VA loans are backed by the U.S. Department of Veterans Affairs which guarantees repayment of a portion of the loan amount to investors in the event of default making these loans less risky for investors. Qualified borrowers pay an Up-Front Funding Fee which guarantees up to 100% financing. VA loans are assumable, require no down payment, no mortgage insurance with flexible qualifying guidelines for all credit profiles.

FHA loans are insured by the government who guaranty payments to investors even in the event of default making them an attractive investment. Borrowers pay a premium for this insurance; in turn, these mortgages are easier to qualify for. FHA loans feature low down payment, lower qualifying credit scores, flexible underwriting, low rates, and streamlined refinancing options.