Conventional Loan

Conventional loans are ideal for borrowers with strong credit, steady income, and a stable employment history. They typically require a down payment of at least 3–5%Private mortgage insurance (PMI) is required if the down payment is under 20%.

USDA Loan

A zero-down-payment loan for eligible rural and suburban homebuyers. USDA loans have income limits and property location requirements but offer low interest rates and reduced mortgage insurance costs.

JUMBO Loan

Used for properties exceeding the conforming loan limits (set by Fannie Mae and Freddie Mac), jumbo loans are ideal for high-value homes. These loans typically require a higher credit score, lower debt-to-income ratio, and larger down payment, often 10–20%.

FHA Loan

FHA loans are designed for borrowers with lower credit scores or limited savings. They allow for down payments as low as 3.5% and are often used by first-time homebuyers. These loans do require mortgage insurance premiums (MIP), which may remain for the life of the loan.

HELOC

A revolving credit line secured by your home’s equity, a HELOC acts like a credit card with a variable interest rate. It’s ideal for ongoing expenses like home improvements or tuition, offering interest-only payments during the draw period.

Manufactured Home Loan

Offers financing for factory-built homes placed on permanent foundations. These loans may be backed by FHA, VA, or conventional lenders and often have unique eligibility requirements regarding the home’s condition, age, and land ownership.

VA Loan

Tailored for real estate investors, this loan is approved based on the rental income of the property rather than the borrower’s personal income. A DSCR ratio above 1.0 typically qualifies. Our borrowers can qualify with 0.5 ratio.

HELOAN

Also secured by home equity, a HELOAN provides a lump-sum loan with a fixed interest rate and predictable monthly payments—best for large, one-time expenses such as major renovations or debt consolidation.

Co-op Loan

Financing for buyers purchasing shares in a cooperative housing corporation rather than real property. Underwriting is based on both the borrower and the co-op’s financial stability. Co-op loans may have stricter guidelines and require board approval.