Our Programs
Conventional Financing
Conventional financing is ideal for borrowers with strong credit who can make a minimum down payment of three percent. These mortgages are backed by Fannie Mae or Freddie Mac but are not federally guaranteed. They come in two main types: fixed-rate and adjustable-rate.
FHA Financing
FHA financing is a great choice for first-time homebuyers with low to moderate incomes and credit scores starting at 580. These loans are insured by the Federal Housing Administration and are specifically designed to help individuals and families with higher debt-to-income ratios qualify for homeownership.
VA Financing
Active-duty service members and veterans may qualify for this type of financing. Although the Veterans Administration doesn’t issue the loans directly, it guarantees them through approved private lenders. One of the key benefits is that no down payment is required.
Renovation Financing
Renovation financing is a great option for buyers interested in fixer-uppers or foreclosed properties. It can also be used to fund home improvements, making it a flexible solution for enhancing your living space.
Jumbo Financing
If you’re purchasing a high-value home and have excellent credit, a substantial down payment, and a strong debt-to-income ratio, a jumbo loan could be a suitable option. These are private loans that exceed the limits set by Fannie Mae and Freddie Mac and do not conform to their guidelines.