Mortgage Programs

Conventional Loan

  • As little as 5% down
  • Lender paid mortgage insurance available
  • Fixed rate terms: 30, 25, 20, 15, and 10 year loans
  • 3yr, 5yr, 7yr, and 10yr ARMS
  • Conforming up to $970,800
  • Primary Residence, Second Home, Investor Occupancy
  • Refinances: rate/term or cashout

VA Loan

  • $0 Down (No Loan Limit)
  • $0 cash to close option
  • No Mortgage Insurance
  • VA to VA Streamline refinance with no appraisal or out of pocket expense
  • 90% Cash-out refinance (cash can be used for any purpose)
  • Jumbo VA loans $3,000,000 and higher
  • Primary Residence (streamline does not have to be owner occupied)
  • Condo must be VA approved
  • Easier credit criteria allowing scores as low as 580
  • Primary Residence
  • Investor Allowed on VA to VA IRRRL

Jumbo Loan

  • Fixed rate and ARM products
  • Recently moved from W-2 to 1099 is OK
  • Improved Rate Pricing
  • Primary Residence, Second Home, Investor Occupancy
  • Loans up to $5,000,000 and higher

FHA Loan

  • As little as 3.5% down
  • FHA to FHA streamline refinance
  • Easier credit criteria allowing scores as low as 580
  • FHA 203k rehab loans for homes that need some work
  • Fixed and ARM products available

USDA

  • Primary Residence Only
  • First Time Homebuyer

    • As little as 3% down
    • Improved Rate Pricing
    • Primary Residence Only

    Non-QM Loan

    • Income via Bank Statement Deposits
    • Loans up to $2,000,000 and higher
    • Interest only option available
    • Fixed rate and ARM products available
    • Primary residence, Second Home, Investor Occupancy

    Reverse Mortgages (HECM)

    • All borrower must be 62 year old or older
    • No monthly payment
    • You still own your home
    • Use equity cash for any purpose
    • Purchase a property with a HECM reverse mortgage
    • Children have the option to keep / sell / or let go of the home when you pass
    • Primary residence only

    Land Loans

    • As little as 30% down
    • 30% down for Agricultural-zoned
    • 3 Year terms with 30 year payment

    Construction

    • 100% financing if you own the land outright
    • 12-18 months to complete
    • construction
    • Cross collateralize other property

    Commercial

    • Apartment building loans
    • Industrial
    • Office
    • Retail
    • Land

    Private Money

    • Quick closings in as little as 5 days
    • 30% or more down for purchases
    • Cross collateralize other properties
    • Loan amounts $10,000,000 and higher
    • Refinance a property listed for sale

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