Find Your Perfect Loan
Our Loan Programs
FHA Loan (Federal Housing Administration)
An FHA loan is insured by the government and designed to help buyers with lower credit scores or smaller down payments. It typically requires as little as 3.5% down and allows more flexible qualification compared to conventional loans.
VA Loan (Department of Veterans Affairs)
VA loans are available to eligible veterans, active-duty service members, and some surviving spouses. They offer major benefits, including no down payment, no monthly mortgage insurance, and competitive interest rates.
Conventional Loan
A conventional loan is not insured or guaranteed by the government. These loans usually require higher credit scores and larger down payments (often 5–20%), but they provide more options and fewer restrictions.
USDA Loan (U.S. Department of Agriculture)
USDA loans are for qualified homebuyers in designated rural and suburban areas. They require no down payment, have reduced mortgage insurance costs, and are based on income and property location eligibility.
Jumbo Loan
A jumbo loan is used when the home price exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. Because of the larger loan amounts, lenders typically require excellent credit, strong income, and a bigger down payment.
Construction Loan
Construction loans provide short-term financing to pay for the costs of building a home. Once construction is complete, the loan can either be paid off or converted into a long-term mortgage.
Hard Money Loan
Hard money loans are short-term loans backed by the value of real estate rather than the borrower’s credit. They are often used by real estate investors for quick purchases or renovations but come with higher interest rates and fees.
Non-QM Loan (Non-Qualified Mortgage)
Non-QM loans are for borrowers who don’t meet traditional mortgage requirements, such as self-employed individuals, investors, or those with unique income situations. They allow flexible underwriting, but often carry higher rates and stricter terms.