Comprehensive Mortgage Solutions: Tailored for Your Success
Conventional Loans
Qualify with as little as 3% down, making homeownership more attainable.
A strong FICO score of 620+ helps secure better loan terms.
No private mortgage insurance (PMI) when putting down 20% or more.
Competitive financing available for primary homes, second homes, and investment properties.
Higher loan amounts can be available to accommodate larger home purchases.
Offers flexible term options, giving you control over how long you finance your home.
Jumbo Loans
Designed for high-value home purchases that exceed conventional limits.
A FICO score of 680+ strengthens eligibility and interest rate options.
Down payment requirements start at 10–20%, ensuring loan flexibility.
Income verification can be tailored to fit various financial profiles.
Competitive rates structured to support larger loan amounts.
Allows financing for primary residences, second homes, and investment properties.
FHA Loans
Low down payment starting at 3.5%, making it easier to buy a home.
A FICO score of 580+ provides access to affordable financing.
Credit flexibility allows approvals even with past financial challenges.
Down payment assistance can be used, helping to reduce upfront costs.
Ideal for first-time homebuyers looking for lower credit barriers.
Requires upfront mortgage insurance, but includes more lenient qualification terms.
VA Loans
No down payment required, offering significant savings for eligible borrowers.
No private mortgage insurance (PMI)—reducing monthly costs.
Easier credit qualifications make homeownership more accessible to service members.
Funding fee waivers may be available for certain applicants.
Can be used multiple times throughout your lifetime, maintaining eligibility.
Provides financing options for primary residences only, maximizing benefits.
USDA Loans
No down payment required for eligible home purchases.
Lower mortgage insurance costs compared to other loan types.
Income-based eligibility ensures affordable financing for qualified buyers.
Fixed interest rates protect against market fluctuations.
Property location requirements ensure access to designated rural and suburban areas.
Designed for primary residences, supporting long-term homeownership stability.
Closed-End HELOCs
Access a lump sum from your home equity, providing flexibility without refinancing.
Fixed repayment terms offer consistent monthly payments.
Use funds for home improvements, debt consolidation, or major expenses.
Interest rates remain competitive compared to other financing options.
Loan structure supports predictable financial planning.
Provides access to home equity while maintaining ownership stability.
Reverse Mortgages
Allows homeowners aged 62 and older to convert home equity into cash.
No monthly mortgage payments required, reducing financial strain.
Funds can support retirement, medical expenses, or home upgrades.
The loan is repaid only when the home is sold or no longer the primary residence.
Homeownership remains in place, ensuring you retain control of your property.
The repayment amount will never exceed the home's market value, offering security.
Rate Strategies
Monthly payment stays the same for the full loan term.
Choose loan terms like 15, 20, or 30 years, based on financial goals.
Great for stability, protecting against future rate increases.
Ensures predictable housing costs, making budgeting easier and stress-free.
Long-term financing structure supports security for homeowners.
Avoids market-driven payment fluctuations, offering peace of mind.
Fixed-Rate Mortgages (FRMs)
Adjustable-Rate Mortgages (ARMs)
Lower initial interest rates provide early payment savings.
Loan structure adjusts after 3, 5, 7, or 10 years, depending on your selection.
Ideal if you plan to sell or refinance before adjustments take effect.
Rate caps limit how much the rate can increase, adding financial protection.
Adjustable structure allows flexibility in managing future payments.
Can be refinanced into a fixed-rate option if long-term stability is preferred.
Rate Buy-Downs
Lower your interest rate for the first 1–3 years, reducing initial costs.
Ideal for managing expenses while adjusting to new homeownership costs.
Sellers or builders may contribute, helping you secure better pricing.
Provides temporary payment relief while income grows over time.
Helps create a financial buffer before standard rates apply.
Long-term strategy for reducing borrowing costs while transitioning into homeownership.
