Our loans
As an equal opportunity lender, we offer the widest possible range of mortgage loans available to ensure you can find the perfect loan for your needs.
Not sure which loan is right for you? Find an expert near you to help you out.
Conventional loans are for buyers with good credit, good savings, and the ability to pay a larger down payment. Conventional loans are also good options for buying investment property. We offer the following conventional loan programs:
- Direct Freddie Mac
- Direct Fannie Mae
- Fannie DU Refinance Plus
- Freddie Open Access
- Fannie Homestyle
- Fannie Mae HomeReady
- Freddie Your Path
Pros
- Easy approval process
- Only 1 year of tax documents required
- Choice of single or monthly mortgage insurance payments or lender paid insurance
- Good for most condo purchases
- Mortgage insurance can be removed after reaching 20% equity
Cons
- Higher down payment required
- Harder to qualify with low credit score
- Longer waiting periods after a bankruptcy, loan modification, short sale or foreclosure
- FICO score and loan amount can affect mortgage insurance and rate
Ready to find out more? Drop us a note or find a mortgage consultant in your area.
Government loans are great for the first-time homebuyer with little - to - no credit.Some programs, such as USDA and VA loans, require no down payment at all. Our Government loans include:
- FHA 580 FICO
- FHA Standard
- FHA No FICO
- FHA High Balance
- GHA 203k Streamlines
- USDA
- VA IRRRLs
- VA Purchase
- FHA No down payment
Pros
- Little to no credit required
- Little to no down payment required
- Non-occupant co-signers allowed
- Lower interest rates compared to conventional loans
- Ability to streamline refinance process
Cons
- Resales are not allowed before 91 days
- Mortgage insurance must be paid upfront
- Mortgage insurance cannot be removed without refinancing
- Harder to approve once declined by another bank
Ready to find out more? Drop us a note or find a mortgage consultant in your area.
Outside of government and conventional loans, we offer unique loan options for borrowers with unique situations and goals. Our specialty loans include:
- ITIN
- Fresh Start
- Bank Statement
- Homeowner Access
- Foreign National
- Non-Warrantable Condo
- Non-Prime
- Portfolio Select
Ready to find out more? Drop us a note or find a mortgage consultant in your area.