Residential Loans

outside, lifestyle, patio-254716.jpg
Conventional Home Loans

Purchase and refinance
Fixed rate with flexible loan terms
Adjustable rate mortgages (ARM)
Interest-only payments available
Owner occupied, second home, and investor loans
Low down payment loan options
First-time homebuyer programs

living room, couch, interior-2732939.jpg
FHA - Federal Housing Administration

Purchase or refinance primary residence
Minimum down payment of 3.5%
Flexible credit standards
Debt-to-income to 55%
Down payment gift okay
Non-occupying co-borrower okay
No credit score with alternative credit program

adorable little girl standing in front of parents outdoors
VA - Veterans Administration

100% financing for eligible Veterans
Purchase or refinance of primary residence
Flexible credit standards
Cash-out refinance up to 100% of value
Non-traditional credit is okay

country, log home, tin roof-2760191.jpg
USDA - Rural Home Loans

100% financing with no mortgage insurance
Flexible credit standards
No cash reserves required
Income restrictions apply
97% of United States map qualifies for USDA loan

startup, meeting, brainstorming-594090.jpg
Self Employed Borrowers

Purchase or refinance
1099 income option
No tax return option available
Flexible credit standards
Cash-out refinance
2 year employment history required

luxury home, upscale, architecture-2412145.jpg
Bank Statement Loans

Available for self employed
Qualify based on bank deposits
No tax returns needed
Purchase or refinance
Flexible credit standards
Primary residence, 2nd home, or investment property

Investment Loans
Investment Property Financing

Qualify based on cash flow of subject property
Bank statement program available
Purchase and refinance
Cash-out refinance available
No limit on number of financed properties

Home renovation loan
Renovation Loans

Purchase or refinance
One-time close, no separate construction loan needed
Construction phase up to 6 months
Roll payments during construction into loan
Down-payment as low as 3.5%
Appraisal based on finished value
Flexible credit guidelines
Primary residence, second home, or investment

old, elderly, beach-3608950.jpg
Reverse Mortgages

Use for purchase or refinance of primary residence
No monthly payments
No credit or income needed to qualify
Must be 62 years or older
Borrower stays on title of property
Single family 1-4 unit, townhome, or condo

real estate, luxury villa, vacation-4955093.jpg
Jumbo Loans

Purchase or refinance
High loan-to-value
Cash-out refinance
Flexible credit guidelines
Primary residence, second home, or investment
Single family 1-4 unit, townhouse, or condo

kindle, ereader, tablet-1867751.jpg
Portfolio Lending

Relaxed underwriting guidelines
Can qualify based on bank statement deposits
Purchase, refinance, and cash-out refinance
Available for all types of credit