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Our strategic network of lending partners offers you a variety of loan programs that will accommodate borrowers who seek financing for residential properties.
Our rates are aggressive, plus you're backed by the assurance offered by our experienced local team.
PURCHASE
JUMBO LOAN
NON QM
HOME EQUITY
HELOC
REFINANCE
Home Loan Programs - Things You Should Know
1. Conventional Loans
Offered by private lenders and not government-backed. Great for borrowers with strong credit and stable income. Typically require 3–20% down.
2. FHA Loans
Backed by the Federal Housing Administration. Ideal for first-time buyers or those with lower credit scores. Down payments can be as low as 3.5%.
3. VA Loans
Available to eligible veterans, service members, and spouses. Backed by the Department of Veterans Affairs. No down payment and no private mortgage insurance (PMI) required.
4. Jumbo Loans
For loan amounts that exceed conforming limits (over ~$766,550 in most areas for 2024). Typically require excellent credit and larger down payments.
5. Adjustable-Rate Mortgages (ARM)
Interest rate is fixed for a set period (e.g., 5 years), then adjusts periodically. Lower initial rates, but future payments can rise.
6. Fixed-Rate Mortgages
Interest rate stays the same for the life of the loan (commonly 15 or 30 years). Predictable payments make this popular for long-term stability.
Each program suits different financial situations, so choosing the right one depends on your credit, income, and homeownership goals.
Common Non-QM Programs: Things You Should Know
Bank Statement Loans
Use 12–24 months of personal or business bank statements to verify income instead of tax returns.DSCR Loans (Debt-Service Coverage Ratio)
Used by real estate investors. Approval is based on the property's rental income covering the loan payment, not personal income.Asset Depletion Loans
Allows borrowers to qualify using liquid assets (like retirement accounts) instead of regular income.1099-Only Loans
Ideal for independent contractors who receive income through 1099s rather than W-2s.Interest-Only Loans
Borrowers pay only the interest for a set period (e.g., first 5 or 10 years), lowering initial monthly payments.Foreign National Loans
For non-U.S. residents purchasing property in the U.S. Often doesn’t require U.S. credit history.Recent Credit Event Loans
For borrowers with recent bankruptcies, foreclosures, or credit issues. Shorter waiting periods than traditional loans.Hard Monty Loans
For borrowers who need money to purchase a home, but want as few documents as possible. Usually an interest only loan designed to last only a few years before refinancing into a more traditional home loan. Better rates with larger down payments.
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