- Programs
Comprehensive Financial Solutions Tailored to Your Needs
USDA Loans
Target Audience: Low to moderate-income borrowers in rural areas.
Up to 100% financing (no down payment required).
Upfront Guarantee Fee: 1% of the loan amount.
- Annual Fee: 0.35% of the remaining principal balance.
Best For: Buyers looking for affordable financing in rural or suburban areas.
FHA Loans
Target Audience: Borrowers with lower credit scores or limited down payment funds.
Minimum Credit Score: 580 for a 3.5% down payment; 500 for a 10% down payment.
203(k) Renovation Loan: Designed for remodeling and major repairs.
- Upfront Mortgage Insurance (UFMI): 1.75% of the loan amount.
Best For: First-time homebuyers or those with less-than-perfect credit.
VA Loans
Target Audience: Qualifying veterans, active-duty service members, and eligible spouses.
No PMI (Private Mortgage Insurance) required.
Up to 100% financing (no down payment required).
Certificate of Eligibility (COE) required from the Department of Veterans Affairs.
Best For: Veterans and military families seeking affordable homeownership.
Conventional Loans
Target Audience: Borrowers with good credit and stable income.
Up to 97% financing for eligible borrowers.
PMI can be canceled once 20% equity in the home is reached.
Minimum Credit Score: 620.
Best For: Buyers with strong credit and financial stability.
Bank Statement Loans
Target Audience: Self-employed borrowers.
No tax returns required for income verification.
- Two years’ seasoning required for foreclosure, short sale, bankruptcy, or deed in lieu.
Best For: Self-employed individuals who may not have traditional income documentation.
1099 Loans
Target Audience: Self-employed borrowers with consistent income.
No tax returns required.
Borrowers must be self-employed and working in the same line of work for at least 2 years.
Income verified through earning statements, paystubs, or bank statements.
Best For: Self-employed professionals with non-traditional income streams.
DSCR Loans (Debt Service Coverage Ratio)
Target Audience: Real estate investors.
No income or employment verification required.
Qualifications based on property cash flow.
Not eligible for First-Time Homebuyers (FTHB).
- Best For: Investors looking to finance rental properties.
Hard Money Loans
Target Audience: Fix-and-flip investors.
Higher interest rates compared to traditional loans.
Interest-only payment options available.
- Best For: Investors needing short-term financing for property renovations.
Down Payment Assistance Programs
Down Payment Assistance Programs are designed to help homebuyers, especially first-time buyers, overcome one of the biggest barriers to homeownership: the upfront cost of a down payment. These programs provide financial support to make purchasing a home more accessible and affordable.
Mortgage Calculator – Plan Your Payments
Easily estimate your monthly mortgage payments and explore different loan scenarios.
Your Dream Home is Within Reach – Get Started!
Take the first step toward homeownership with personalized mortgage solutions. Contact us today to explore your options and make your dream home a reality!