Loan Programs for Every Situation

From first-time buyers to seasoned investors, we offer a comprehensive range of mortgage solutions tailored to your unique needs.

Conventional Loans

Traditional financing with competitive rates for buyers with good credit and stable income. Ideal for those who can make a down payment and have established credit.

Apply Now

Key Features

Down payments as low as 3%
Fixed and adjustable rate options
No PMI with 20% down payment
Loan amounts up to $832,750
Flexible terms: 10, 15, 20, 30 years

Requirements

Credit score of 620+
Debt-to-income ratio below 50%
Stable employment history
Documented income and assets

FHA Loans

Government-backed loans designed for first-time buyers and those with less-than-perfect credit. More flexible qualification requirements make homeownership accessible.

Apply Now

Key Features

Down payments as low as 3.5%
Credit scores accepted from 580
Gift funds allowed for down payment
Seller can contribute to closing costs

Requirements

Credit score of 580+ for 3.5% down
Credit score of 500-579 for 10% down
Primary residence only
Mortgage insurance required

VA Loans

Exclusive benefits for those who've served our country. Veterans and active military can purchase homes with exceptional terms as a thank you for their service.

Apply Now

Key Features

Zero down payment required
No private mortgage insurance
Competitive interest rates
Limited closing costs
No prepayment penalties

Requirements

Active duty, veteran, or eligible spouse
Certificate of Eligibility (COE)
Meet service requirements
Primary residence only

Bank Statement Loans

Ideal for self-employed borrowers and business owners who may not have traditional income documentation. Qualify using bank statements instead of tax returns.

Apply Now