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Loan Program

Conventional Loans

Conventional fixed-rate loans are a widely chosen mortgage option, featuring a stable interest rate for the entire duration of the loan. This means monthly payments generally remain unchanged. Although a 20% down payment has traditionally been the norm

HELOC Loans

A HELOC, or Home Equity Line of Credit, is a type of loan that allows homeowners to borrow money against the equity in their home. Essentially, it's a revolving line of credit, like a credit card, where you can borrow, repay, and borrow again, up to a certain limit.

FHA Loans

FHA (Federal Housing Administration) loans are mortgages insured by the government, created to help individuals with low to moderate incomes and imperfect credit achieve homeownership. These loans provide advantages like reduced down payment requirements.

VA Loans

VA (Veterans Affairs) loans are home financing options created to support eligible U.S. veterans, active-duty military personnel, and certain members of the National Guard and Reserves in purchasing a home. Guaranteed by the U.S. Department of Veterans Affairs.

USDA Loans

USDA (United States Department of Agriculture) loans are government-insured mortgage programs designed to encourage homeownership in rural and suburban communities. They offer key advantages like no down payment, favorable interest rates.

Jumbo Loans

Jumbo loans are mortgage loans intended for financing high-priced homes that go beyond the loan limits established by government-sponsored entities such as Fannie Mae and Freddie Mac. These loans provide the opportunity to purchase luxury properties.

Reverse Loans

Reverse mortgage loans, also referred to as reverse equity loans, are available exclusively to homeowners aged 62 and older. As the name suggests, this type of loan provides the homeowner with either a lump-sum payment or monthly installments. When the loan term ends.

DSCR Loans

DSCR (Debt Service Coverage Ratio) loans are specialized loan products commonly used for commercial real estate and investment properties. Instead of evaluating the borrower’s personal income, these loans emphasize the property's ability to produce.

Construction Loans

Construction loans are temporary financing solutions intended to support the building or renovation of residential or commercial properties. These loans disburse funds in phases as the construction advances, helping to ease financial strain during the development.

Non-QM Loans

Non-QM (Non-Qualified Mortgage) loans are mortgage options that fall outside the standard requirements established by government-backed entities like Fannie Mae and Freddie Mac. These loans are often intended for borrowers who don't meet conventional lending standards

Bank Statement Loans

Bank Statement Loans provide a flexible financing option for self-employed individuals or those with unconventional income sources. Rather than relying on tax returns, these loans use bank deposit records to verify income, making them well-suited for freelancers.

Refinance Loans

Home Refinance Loans, often known as refinancing, involve replacing an existing mortgage with a new one, typically with different interest rates or terms. Many homeowners choose to refinance to reduce their monthly payments, obtain a lower interest rate, or access the equity.

Foreign National Loans

Foreign national loans are mortgage programs specifically designed for individuals who are neither U.S. citizens nor permanent residents but are interested in purchasing property within the United States. These loans offer a pathway.

Commercial Loans

Commercial loans are financing solutions created to help businesses meet a range of needs, including purchasing property, funding expansion, or covering working capital. These loans generally provide larger amounts and extended repayment periods compared to personal loans.