Mortgage

Conventional

Conforming Conventional Home Mortgage Loans conform to Fannie Mae and Freddie Mac guidelines set by the Federal Housing Finance Agency (FHFA). You can buy a primary residence, second home, or rental property with most conventional loans and have a choice of fixed rates, adjustable rates (ARMs), and various term options.

• Standard Conforming
• Conventional One Time Close (OTC)

FHA

FHA Home Mortgage Loans are insured by the Federal Housing Administration, which allows lenders to offer mortgage financing to homebuyers who may not meet the qualifications of conventional loan programs. Because they are government-backed loans, the requirements are a little more flexible. FHA loans are great for first-time homebuyers and repeat buyers. The biggest advantage is the down payment requirement.

VA

VA Home Mortgage Loans are a special type of mortgage option designed to provide long-term home financing to active military members and veterans and are guaranteed by the United States Department of Veterans Affairs. VA home mortgage loans have more flexible requirements, like a wider credit score threshold than many other loan programs. You served your country, and we are so grateful for that. Now let us serve you with special financing just for veterans.

USDA Rural Development

Rural Development Home Mortgage Loans give low- and moderate-income borrowers the ability to purchase or refinance a home located in an eligible rural area with no down payment^*.

Jumbo

Jumbo Home Mortgage Loans are any home loan that exceeds a specific threshold called the conforming loan limit. Currently, the conforming loan limit for a single-family home is $726,200.

Non-QM

A Non-QM loan, or a non-qualified mortgage, is a type of mortgage loan that allows you to qualify based on alternative methods, instead of the traditional income verification required for most loans.

• Alt-Doc
• Bank Statement Loan
• Asset Statement Loan
• 1099
• Community Mortgage
• Foreign National
• Investor DSCR/No Ratio