Loan Programs
These are the programs we work with most. Availability, pricing, and eligibility depend on your full application, credit profile, property, and current guidelines.
Government-backed financing built for buyers with a smaller down payment or a shorter credit history.
FHA loans are insured by the Federal Housing Administration and are a common path for first-time buyers.
The most widely used loan type, with flexible terms for buyers who have established credit.
Conventional financing follows agency guidelines and can be used for primary homes, second homes, and investment properties.
Financing designed for eligible Veterans, active duty service members, and qualifying spouses.
VA loans are guaranteed by the U.S. Department of Veterans Affairs and require a Certificate of Eligibility.
Grant and second-mortgage programs that can help cover the up-front cash needed to buy.
Down Payment Assistance Grant*: up to the lesser of $25,000 or 3 percent of your first mortgage** (example: up to $6,000 on a $200,000 mortgage). No repayment required.
For purchases above conforming loan limits, where a higher balance is needed.
Jumbo financing exceeds conforming loan limits and generally carries its own reserve, credit, and documentation requirements.
Alternative documentation options for self-employed borrowers and investors.
Non-QM programs may use bank statements, assets, or property cash flow instead of traditional income documentation.
For homeowners 62 and older who want to convert home equity into cash flow without a monthly mortgage payment.
A Home Equity Conversion Mortgage lets eligible homeowners access equity as a lump sum, monthly draw, or line of credit.
Zero down payment financing for eligible buyers purchasing in qualified rural and suburban areas.
USDA Guaranteed loans are backed by the U.S. Department of Agriculture and are designed for moderate income households.
Financing to build a new home or complete a major renovation, with funds released as the work progresses.
Construction financing funds the build in stages, then converts to or is replaced by permanent financing at completion.
Tap equity without touching the low rate on your first mortgage, through a line of credit or a fixed second lien.
A HELOC gives you a revolving credit line you can draw on as needed. A closed end second gives you a fixed amount at a fixed rate.
Short term financing that lets you buy your next home before your current one sells.
A bridge loan uses equity in your departing residence so you can make a strong, non contingent offer.
Asset based financing for investors and time sensitive deals that do not fit conventional guidelines.
Private money is underwritten primarily on the value and equity of the property rather than traditional income documentation.
Buy or refinance and roll the cost of repairs and upgrades into a single mortgage.
Renovation financing lets you fund the home and the work in one loan, using the value the property will have once the work is done.
Home financing for borrowers who file taxes with an ITIN instead of a Social Security number.
ITIN loans are portfolio programs built for tax paying borrowers who do not have a Social Security number.
Make a cash offer on your next home, then finance it after you close and win the contract.
We back your offer with cash so sellers see certainty instead of a financing contingency.
Tell us about your situation and we'll walk you through the realistic options with no obligation.