Services
Conventional Loan
Conventional loans typically require higher credit scores and down payments compared to government-backed loans like FHA loans. They offer various loan terms and options, including fixed-rate and adjustable-rate mortgages, and may have lower mortgage insurance premiums for borrowers with a down payment of 20% or more.
USDA Loan
A USDA loan include low or zero down payment requirements, competitive interest rates, and flexible credit guidelines. USDA loans offer reduced mortgage insurance premiums and the opportunity for financing home repairs or improvements through the USDA's Single Family Housing Repair Loans & Grants program.
Bank Statement Loan
Typically used by self-employed individuals or those with non-traditional income sources, these loans rely on bank statements to verify income. Borrowers provide several months of bank statements to demonstrate income stability and repayment ability, allowing them to qualify for a mortgage based on their banking history rather than tax returns or pay stubs.
FHA Loan
Designed to help people, especially first-time homebuyers, with lower down payments and credit scores. It offers more flexible eligibility requirements than conventional loans, making homeownership more accessible. This enables borrowers to qualify for loans with down payments as low as 3.5%.
Jumbo Loan
Jumbo loans gives you the ability to finance higher-priced properties or luxury homes. They offer customization options and can accommodate unique financial situations.
ITIN/Foreign National Loan
These loans cater to non-US citizens, such as immigrants or foreign nationals, who lack SSNs but have ITINs and qualify based on other criteria, like credit history and income.
VA Loan
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One Time Close Construction
Streamline the financing process by combining the construction and permanent financing into a single loan. With only one application, approval, and closing process, borrowers save time and money. Funds are disbursed to cover construction costs, then automatically convert to a traditional mortgage once construction is complete.
Non QM Loan
These loans are designed for borrowers who may not meet traditional lending guidelines, such as self-employed individuals or those with unique financial situations. Non-QM loans provide alternative options for home financing, taking into account factors beyond traditional income and credit criteria.
