Our Mortgage Programs
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Conventional Mortgage Loan
A conventional loan is a type of mortgage loan that is not guaranteed by the government or a federal agency. This includes the Federal Housing Administration (FHA) and the Department of Veterans Affairs (VA). Lenders will usually offer conventional loans that are fixed with specific terms and rates. -
FHA Mortgage Loan
An FHA Loan is insured by the Federal Housing Administration and issued by a private mortgage lender. FHA loans are attractive to potential borrowers because they allow people to purchase homes with a small down payment and average credit score. -
Jumbo Mortgage Loan
A jumbo loan also referred to as a non-conforming mortgage, is a loan for homeowners that need a loan greater than the conforming loan limit in their area. In 2020, Fannie Mae and Freddie Mac implemented a conforming loan size limit of $548,250. However, loan limits can exceed this limit in higher-priced markets. -
VA
The U.S. Department of Veterans Affairs (VA) works through approved lenders like us to, “help Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.” -
Bridge
Also known as a swing loan - the Bridge Loan makes it possible to finance a new home before selling your current home. Bridge Loans have higher interest rates, require 25% equity, and work best in fast moving markets. -
FHA Streamline Refinance
An FHA Streamline allows borrowers to refinance their existing FHA-insured mortgage loan. Streamline refinance requires limited borrower credit documentation and underwriting from lenders. FHA streamline refinancing offers borrowers the choice to qualify under credit or non-credit options. -
HomePossible
HomePossible is a special loan product offered by Freddie Mac that is designed for low to moderate-income borrowers. This program is currently expanded to help low credited borrowers finance homes in low-income areas. -
HomeReady
HomeReady is a special loan product offered by Fannie Mae that is designed for low to moderate-income borrowers. This program is currently expanded to help low credited borrowers finance homes in low-income areas.
