Mortgage Loan Products
Find the RIGHT mortgage LOAN FOR YOU
Whether it is a purchase, refinance or taking cash out, we'll find the right mortgage loan to fit your needs.
Conventional Loan
Traditional mortgage loans cater to borrowers who have saved up for a down payment. When the down payment is below 20%, these loans mandate mortgage insurance. They are not federally guaranteed or insured. Generally, these loans are accessible to borrowers with credit scores of 620 or above.
FHA Loan
FHA loans, backed by the Federal Housing Administration, are tailored for low-to-moderate income individuals, gaining popularity for their low down payment requirement of just 3.5%, thereby enhancing accessibility to homeownership and making the housing market more inclusive.
VA Loan
VA Mortgage Loans, guaranteed by the United States Department of Veterans Affairs, exclusively serve eligible American veterans or surviving spouses, offering a no-down-payment option and financing up to 100% of the home's value, making them the preferred choice for eligible veterans.
Jumbo Loan
Jumbo Mortgage loans, crafted for residences surpassing the loan limits established by Fannie Mae and Freddie Mac, offer substantial financing options, extending up to $3 million within the 2019 maximum loan boundaries set for all U.S. counties and their equivalents.
Investor Loan
Investor loan is crafted for borrowers buying investment properties with as little as 20% downpayment on up to $1.5 million loan. Borrowers can also get up to $3.5 million loan with 30% down. Neither the borrower nor the borrower's immediate family shall at any time occupy the property.
Bank Statement Program
Bank statement loan program allows alternative documentation for income. Wage earning borrowers can use written verification of employment to document their income. Self employed borrowers can use profit & loss statement prepared by CPA or the borrower to document their income.
