Your Loan Options
- FHA/VA Loans
- Conventional Loans
- Non-QM Loans
- Cash-Out Refinance Loans
- Renovation Loans
- Reverse Mortgages
FHA & VA Loans
FHA and VA loans, backed by the Federal Housing Administration and Veterans Affairs, help homebuyers—especially first-timers or those with less-than-perfect credit—qualify more easily for a mortgage.
Most Common Types of FHA & VA Loans
Fixed Rate Mortgages: Your rate and payment never change.

- 30 Year Fixed Loan
- 25 Year Fixed Loan
- 20 Year Fixed Loan
- 15 Year Fixed Loan
Adjustable Rate Mortgages: Fixed rate initially, then adjusts either annually or semi-annually.
- 3/1 or 3/6 ARM
Fixed Rate for 3 Years, Adjustable Rate for the remaining 27 years - 5/1 or 5/6 ARM
Fixed Rate for 5 Years, Adjustable Rate for the remaining 25 years
What Are the FHA & VA Down Payment Requirements?
For Purchase transactions FHA loans require a minimum down payment of 3.5%; VA loans may allow for as little as 0% down payment depending on eligibility requirements.
What Types of Property Are Eligible?
FHA & VA loans are only available to borrowers who are purchasing a property with the intent of using the home as their primary residence.
Find Out if an FHA or VA Loan Is Right for You!
Conventional Loans
Conventional loans tend to be ideal for borrowers with excellent credit and at least a 5% down payment.
Most Common Types of Conventional Loans
Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac.

Most Common Types of Conventional Loans
Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac.
Fixed Rate Mortgages: Your rate and payment never change.
- 30 Year Fixed Loan
- 20 Year Fixed Loan
- 15 Year Fixed Loan
- 10 Year Fixed Loan
- 5 Year Fixed Loan
Adjustable Rate Mortgages: Fixed rate initially, then adjusts either annually or semi-annually.
- 3/1 or 3/6 ARM
Fixed Rate for 3 Years, Adjustable Rate for the remaining 27 years - 5/1 or 5/6 ARM
Fixed Rate for 5 Years, Adjustable Rate for the remaining 25 years - 7/1 or 7/6 ARM
Fixed Rate for 7 Years, Adjustable Rate for the remaining 23 years - 10/1 or 10/6 ARM
Fixed Rate for 10 Years, Adjustable Rate for the remaining 20 years
What Are the Conventional Down Payment Requirements?
For Purchase transactions Conventional Loans require the homebuyer to put down a minimum of 3% of the purchase price of the home.
What Types of Property Are Eligible?
Most conventional loan programs allow you to purchase single-family homes, warrantable condos, planned unit developments, and 1–4 family residences. A conventional loan can also be used to finance a primary residence, second home, and investment property.
Find Out if a Conventional Loan Is Right for You!
Non-QM Loans
Unlock Unique Financing Solutions with Our Non-QM Products
Our Non-QM (Non-Qualified Mortgage) products are designed to provide financing options for borrowers who don’t fit into traditional lending criteria. We offer a variety of solutions tailored to unique circumstances, including:

Our Non-QM (Non-Qualified Mortgage) products are designed to provide financing options for borrowers who don’t fit into traditional lending criteria. We offer a variety of solutions tailored to unique circumstances, including:
- Bank Statement Loans: Simplified qualification for business owners using business deposits to calculate monthly income
- P&L Statement Loans: Income determined by using Net Income shown on a CPA prepared 12 Month P&L Statement
- DSCR Loans: Targeted toward the Real Estate Investor, qualifying borrowers based on the income generated by the subject property being financed
- ITIN Loans: Specialize products for borrowers who do not have a Social Security Number but instead have an Individual Taxpayer Identification Number (ITIN)
- Asset Utilization: Calculate income using unencumbered liquid assets in the borrower’s name; great for retiree’s or high net worth individuals
- 1099 Only: Qualify borrowers using prior year 1099 only; no tax returns required
- Foreign National: Non-US Citizens or Visa holders can acquire investment properties utilizing the income from the subject property being financed
Contact us to discover how these products can meet your unique financing needs.
Find out if Non-QM Loans is right for you!
Cash-Out Refinance
A cash-out refinance gives borrowers the flexibility to convert equity in their home to cash to use for all sorts of purposes.
Benefits of a Cash-Out Refinance:

Rate-Term Refinance
A rate-term refinance allows borrowers the opportunity to restructure the remaining term of their mortgage to help meet individual goals.
Benefits of a Rate-Term Refinance:
- Shorten Loan Term
- Lower Interest Rates
- Lower Payments
- Move into a More Stable Fixed Rate Program
Find out if Refinance Loans is right for you!
Renovation Loan
Build Dreams with Our Renovation Loan Products
Our renovation loans help your clients transform houses into dream homes. Perfect for purchasing fixer-uppers or making upgrades to existing properties, our products include:
- FHA 203(k): Combines purchase and renovation costs into one loan.
- HomeStyle® Renovation: Ideal for various upgrades, from minor repairs to major overhauls.
- Jumbo Renovation Loans: Higher loan limits for luxury renovations.

With flexible terms and competitive rates, these loans make renovations more accessible than ever.
Find out if Renovation Loans is right for you!
Reverse Mortgage Loans
Unlike traditional mortgages, a Reverse Mortgage Loan lets homeowners receive payments from the lender based on their home’s value, age, and current interest rates, with flexible funding options.
Why Choose a Reverse Mortgage Loan?
- Unlock the equity in your home for financial flexibility.
- Receive funds as monthly payments, a lump sum, a line of credit, or a combination.
- No repayment required until:

- The home is no longer your primary residence.
- You fail to maintain the home, pay property taxes, or homeowners insurance.
Eligibility:
- Must be 62 or older and own your home.
Benefits of a Reverse Mortgage Loan:
- Stay in your home while accessing its equity.
- Federally insured HECM Reverse Mortgage Loans ensure peace of mind.
- Choose your payout method: monthly payments or a lump sum.
Important Notes:
- Terms must be met, including paying property taxes, insurance, and maintaining the home.
- Failure to comply may require selling your home or repaying the loan.
Contact us to learn how a Reverse Mortgage Loan can work for you!