Our Loan Offerings

  • A traditional home loan not backed by government agencies.

    Requirements: Credit score around 620+, down payment typically ≥ 3%, though it requires Private Mortgage Insurance (PMI). Debt-to-income (DTI) up to ~43–49%.

    Highlights: No upfront or ongoing mortgage insurance if 20%+ down; PMI can be canceled once equity reaches that threshold.

  • Government-backed loans, such as FHA loans and VA loans, are designed to help eligible borrowers secure financing for home purchases with more favorable terms than conventional loans. FHA loans, insured by the Federal Housing Administration, typically require lower down payments and have more flexible credit requirements, making them accessible to first-time homebuyers or those with less-than-perfect credit. VA loans, guaranteed by the Department of Veterans Affairs, offer competitive interest rates, often require no down payment, and do not mandate private mortgage insurance for qualified veterans, active-duty service members, and certain members of the National Guard and Reserves. These programs aim to expand homeownership opportunities by reducing the risk for lenders and making borrowing more affordable for eligible individuals.

  • A Jumbo mortgage is a type of home loan used to finance properties that are too expensive for a conventional conforming loan. The conforming loan limit is set by the Federal Housing Finance Agency (FHFA). In 2025, the limit is around $766,550 in most areas (higher in high-cost regions like parts of California or New York). If your loan exceeds that limit, it’s considered “jumbo”.

    Key Features: Higher loan amounts (often $800,000+). Not backed by Fannie Mae or Freddie Mac.

    Stricter requirements:

    • Higher credit scores (usually 700+).

    • Larger down payments (often 10–20%+).

    • Lower debt-to-income ratios.

    • Higher interest rates are sometimes charged, but not always—it depends on the market.

  • A reverse mortgage is available to homeowners aged 62 and older that allows them to convert part of the equity in their home into cash. Unlike a traditional mortgage, where the homeowner makes monthly payments to a lender, a reverse mortgage pays the homeowner, typically in a lump sum, monthly payments, or a line of credit. The loan is repaid only when the homeowner sells the home, moves out permanently, or passes away. A reverse mortgage can provide homeowners with financial flexibility by supplementing retirement income while maintaining homeownership. It is especially beneficial for those who have significant equity but limited cash flow.

  • An ARM is a type of mortgage where the interest rate changes periodically after an initial fixed period.

    Take the 5/1 ARM for example. The interest rate is fixed for the first 5 years. After that, it adjusts every year (the “/1” part). Rate changes are based on a benchmark index (e.g., SOFR or Treasury rates) plus a margin.

    Key Features:

    • Lower initial rates compared to fixed-rate loans.

    • Monthly payments can increase (or decrease) after the adjustment period.

    • Often used by borrowers who plan to sell or refinance before the rate resets.

  • A Home Equity Line of Credit (HELOC) is a type of loan that allows homeowners to borrow against the equity they have built in their property. Unlike a traditional loan, a HELOC functions more like a credit card, providing a revolving line of credit that borrowers can draw from as needed, up to a predetermined limit. Interest rates on HELOCs are typically variable, and borrowers only pay interest on the amount they actually use. These loans are commonly used for home improvements, debt consolidation, or other major expenses, offering flexibility and potentially lower interest rates compared to unsecured loans.

  • We offer a variety of specialty loan programs designed to meet diverse financial needs.

    • Down Payment Assistance: Our Down Payment Assistance programs help qualified buyers reduce upfront costs, making homeownership more accessible.

    • Investor Loans: For real estate investors, we provide Investor loans with flexible terms to support portfolio growth.

    • DSCR (Debt Service Coverage Ratio): A program tailored for clients who want to qualify based on property income rather than personal income, simplifying approval for rental properties.

    Additionally, we offer other niche lending options that accommodate unique financial situations, ensuring borrowers have access to the right resources for their goals.

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