Loan Programs We Offer

Whether you’re buying your first home, refinancing, or investing in property, we have a variety of loan programs to meet your unique needs. Explore the options below to find out which loan is the best fit for you.

Conventional Loans

Ideal for borrowers with good credit and stable income, conventional loans are a popular choice for those seeking competitive interest rates and flexible terms. These loans typically require a down payment and are not backed by the government.

FHA Loans

Backed by the Federal Housing Administration, FHA loans are designed for first-time homebuyers or those with less-than-perfect credit. They offer lower down payment options and more lenient credit requirements, making homeownership accessible for many.

ITIN Loans

ITIN loans are tailored for individuals who reside and work in the U.S. without a Social Security Number but have an Individual Taxpayer Identification Number (ITIN). This specialized loan program offers a unique opportunity for non-citizens who file taxes with an ITIN to secure financing for a home.

Non-QM Loans

Non-Qualified Mortgage (Non-QM) loans are tailored for borrowers who may not meet traditional lending criteria, such as self-employed individuals or those with non-standard income sources. These loans offer unique terms to accommodate diverse financial situations.

Refinance Loans

If you’re looking to lower your interest rate, reduce monthly payments, or access equity, refinancing may be the right option for you. We offer various refinance loan options to help you meet your financial goals.

USDA Loans

For those buying a home in designated rural or suburban areas, USDA loans offer 100% financing options with low interest rates. Backed by the U.S. Department of Agriculture, these loans are designed to support rural development and offer affordable terms.

VA Loans

Available to veterans, active-duty service members, and eligible family members, VA loans are backed by the Department of Veterans Affairs and offer favorable terms, including zero down payment options and competitive interest rates.

HELOCs

Home Equity Lines of Credit (HELOCs) allow you to borrow against your home’s equity for expenses like home improvements, debt consolidation, or other needs. A HELOC provides flexibility, letting you access funds as needed up to a set limit.

Jumbo Loans

Jumbo loans are designed for high-value properties that exceed conventional loan limits. These loans offer flexible terms and competitive rates for qualified borrowers seeking to finance luxury or high-cost homes.

DSCR (Debt Service Coverage Ratio) Loans

Ideal for real estate investors, DSCR loans focus on a property’s cash flow rather than the borrower’s personal income. These loans make it easier to qualify based on rental income and property performance.

Each loan program is tailored to meet different financial needs. Not sure which one is right for you? Contact us today, and we’ll help guide you to the best option for your unique situation.

Let me know if this feels right or if you’d like further customization!