Conventional Loan

The loan offers you flexible options, such as lower down payments and more.

Understanding Conventional Loans

Conventional loans are known as conforming loans because they meet the guidelines of Fannie Mae and Freddie Mac. They are offered by private lenders and are not insured by the federal government. They still require mortgage insurance if the loan to value is more than 80%. Contact us so we can make the process simple.

Renovation Loan

Wait and fix it up rather than selling it.

Understanding Renovation Loans

If you think you have found a diamond in the rough, a renovation loan may be for you.

A home renovation loan gives homeowners access to funds that are needed to make improvements to their homes and increase your property value. Renovation loans can cover from cosmetic repairs to total home makeovers.

203K Loan

Whether you need minor repairs or major renovations, this is the perfect loan for you.

Requirements

203k home loans have the same loan requirements as the FHA does. They require a 3.5% down payment. However, the credit requirements for 203k loans are higher than for FHA. Most lenders want you to have at least a 620-credit score.

What You Need to Learn About 203k Loan

• FHA qualified property.
• Funds for improvement included in the loan.
• Owner-occupied only.
• FHA down payment of 3.5%.
• $100.00 down HUD Repos are eligible.

USDA Loan

Zero Down Payment Required

Benefit of Choosing USDA Loan

The U.S. Department of Agriculture offers more than just food and nutrition services. They also provide special mortgages to help build up select rural areas. USDA or RHS loans offer a no down payment mortgage and have low mortgage insurance fees.

Everything You Need to Know About USDA Loan

• No down payment required
• Not limited to first-time homebuyers
• Low-income financing
• Lower upfront funding fee, along with a low monthly USDA fee
• Income and location guidelines apply, call us today to find your options!

VA Loans

With this loan type, you can experience 100% financing. We express gratitude and are happy that you earned it.

Eligibility & Benefits

If you’re a veteran, then you may qualify for a VA home loan. The VA loans offer a wealth of benefits to those who are eligible, including zero down payment.

Advantages & Eligibility Criteria of VA Loan

• Available to veterans, reservists, and active-duty personnel
• Available to surviving spouses of veterans based on military entitlement.
• No down payment required
• Reduced interest rates

• 30 and 15 year fixed loans
• No monthly mortgage insurance premium
• Limited closing costs
• No prepayment penalty
• Bonus entitlement - allows the veteran to own up to 4 homes using VA on all the purchases

FHA Loans

Are you a first-time homebuyer? Then, this loan will help you.

Eligibility

FHA home loans are one of the most popular types of home loans used by first-time homebuyers. They have the lowest credit score requirements of any mortgage type. Borrowers with a 580 or higher FICO score may be eligible for an FHA loan with just 3.5% down. If you have a 500 FICO score, you can qualify for an FHA mortgage with a 10% down payment.

Investment Loans

Expand your real estate portfolio with this type of loan.

When To Choose Investment Loans

Investment property loans are for those who are interested in buying second homes and investment properties, including multi-unit residential properties and vacation properties. As an option, you may be able to use your current home equity to finance buying an additional property.