Home Loan Products to Suit Every Situation

Conventional Home Loan

Flexible & Competitive Traditional Home Loan Options

    • Product Description

      • Competitive Rates: Lower interest rates for borrowers with good credit.

      • Fixed and Adjustable Rates (ARM): based market conditions.

      • Flexible Terms: Choose from various term lengths (10-30 years).

      • Lower PMI Costs: No PMI with a 20% down payment; lower costs with less.

      • Higher Loan Limits: Suitable for higher-priced homes, with a maximum loan amount of $806,500 - $1,209,750

      • Down Payment: Minimum 3-5% of the home's purchase price.

      • Seller Concessions: Allowed up to 3-9% of the sales price.

      • PMI Required: For down payments less than 20%.

      • Credit Score: Minimum 620 required.

      • Debt-to-Income Ratio: Preferably 43% or lower.

      • Stable Income: Proof of stable income and employment history needed.

FHA Home Loan

Making Homeownership Accessible for All Buyers

    • Lower Down Payments: With a minimum credit score, you can make a down payment as low as 3.5%, unlike the typical 20% required by other loans.

    • Flexible Credit Requirements: Easier to qualify for with lower credit score requirements. The government backing reduces lender risk, allowing borrowers with less-than-perfect credit to secure a loan.

    • Gift Funds: Use gift funds from friends or family for your down payment, making homeownership more affordable.

    • Loan Amounts: Maximum loan amount up to $420,680.

    • Seller Concessions: Allowed up to 6% of the sales price.

VA Home Loan

Affordable Homeownership for Those who Served.

    • No Down Payment Required: Enjoy 100% financing up to the appraised value of the property.

    • No Mortgage Insurance (MI): Save on the cost of mortgage insurance.

    • Flexible Credit and Income Requirements: Easier qualification process with more lenient criteria.

    • Low Fixed Rates: Benefit from consistently low interest rates.

    • VA Eligibility: Must meet VA eligibility requirements.

    • Loan Amount Based on Entitlement: The loan amount is determined by your VA entitlement.

    • VA Funding Fee: The funding fee can be financed into the loan, and disabled veterans may have this fee waived.

Jumbo Home Loan

Homes Beyond Conforming Limits

      • Finance Higher-Priced Homes: Ideal for properties exceeding loan limits set by Fannie Mae and Freddie Mac.

      • Low Interest Rates and Fees: Enjoy some of the lowest rates and fees

      • Credit Score: Typically, a score of 720 or higher, though some lenders may accept as low as 660.

      • Down Payments: Requires 20%-30% down, with no PMI needed for down payments above 20%.

      • Necessary Assets: Must have savings or liquid assets to cover up to one year of loan payments.

      • Multiple Appraisals: Requires a standard appraisal and a second opinion to confirm property value.

Construction Home Loan

Simplify Home Building with All-In-One Financing

    • Single Closing: Avoid the hassle of multiple closings with a single, streamlined process.

    • Interest-Only Payments: Pay only the interest during the construction phase, reducing your initial expenses.

    • Automatic Conversion: Once construction is complete, the loan automatically converts to a conventional mortgage, ensuring a smooth transition without additional paperwork.

    • Comprehensive Coverage: Funds can be used for land, materials, permits, labor, appliances, and landscaping.

Renovation

Repair and Mortgage in a Single Monthly Payment.

    • Contractor Choice: Select a contractor from our list of licensed and approved professionals.

    • Lower Rates and Fees: Enjoy some of the lowest rates and minimal fees for home renovation loans.

    • Affordable Home: Easily buy a house that needs renovations with a plan in place to cover the costs.

From First Homes to Dream Homes—We’ve Got the Right Loan for You!