A 30 - 15 Year Fixed Conventional Home Loan is perfect for homeowners with great credit. Conventional financing requires a minimum of a 620 credit score. 

• No Mortgage insurance below 80% LTV

• Low closing cost

• Low interest rate

• Fannie Mae Homestyle provides financing for the purchase and renovation of a home by combining the cost of the home and the repair costs into one single loan. 

• Eligible for investment property

• Eligible for 1-4 unit properties

Unlock the excitement of homeownership with a FHA refinance which offers stability and peace of mind with consistent monthly payments over the long term. Enjoy the benefits of competitive interest rates and the flexibility to finance a wide range of property types, helping you secure your future with confidence.

• 80% LTV for Cash out Refinance

• Eligible for 1-4 unit properties

• Credit scores as low as 500 may qualify

• Flexible debt to income ratio limits

• FHA 203(k) Program: Specifically tailored for homebuyers looking to purchase a property in need of significant repairs or renovations. It combines the purchase loan with funds for rehabilitation or remodeling.

A VA Home loan offers significant benefits, including the ability to refinance a home above 80% LTV without mortgage insurance. Additionally, VA loans typically come with competitive interest rates, further reducing long-term costs and making refinancing more affordable for eligible veterans.

• 90% Cash out

• No mortgage insurance

• Low interest rates

• Eligible for 1-4 unit properties

• Credit scores as low as 500 may qualify

• Flexible debt to income ratio limits

• Convenient refinance options (IRRRL)

• Eligible for investment property (depending on Veteran's entitlement)

Non-QM home loans offer flexibility and options for borrowers who may not meet the stringent requirements of conventional loans. These loans are designed for borrowers with unique financial situations, such as self-employed individuals, those with non-traditional income sources, or borrowers with recent credit issues. Non-QM loans consider factors beyond just credit score and debt-to-income ratio, allowing lenders to take a more holistic approach to underwriting. They can include alternative documentation options, such as bank statements or asset-based income verification, providing more opportunities for eligible borrowers. Non-QM loans fill a gap in the mortgage market by providing access to financing for borrowers who may not fit the traditional lending criteria, allowing them to achieve homeownership or refinance their homes.

• Bank Statement Loan: Designed for a self-employed individual who have difficulty providing income documentation. Instead of tax returns, we will use bank statements to verify income.

• Asset-Based Loan: Asset-based loans consider an individual's assets, such as investment accounts or business assets, as a basis for qualifying for a mortgage. Income verification may be less important for this type of home loan.

• Interest-Only Loan: Interest-only loan allow an individual to make a lower monthly payment by only paying the interest portion of the loan for a specific period, typically 5 to 10 years. After the interest-only period, the loan converts to a traditional mortgage.

• Jumbo Loan: Non-QM jumbo loan is for an individual who needs to finance a high-value property that exceeds the loan limits set by government-sponsored enterprises. A jumbo loan provides financing options above and beyond the conforming loan limits.

• Foreign National Loan: This type of loan is designed for non-U.S. citizens or residents who want to purchase or refinance property in the United States. Borrowers can provide alternative documentation to verify income and assets.

• Seasoning Gap Loan: Seasoning gap loan is for borrowers who have recently experienced a significant credit event, such as bankruptcy or foreclosure, and have not yet reestablished traditional credit. These loans offer financing options while the borrower works to rebuild their credit history.

• DSCR (Debt Service Coverage Ratio): DSCR financing is perfect for investor to refinance their properties who may not be able to verify their income. The income is based off of the existing rental potential of the property.