Loan Programs
Focused - Innovative - Knowledgeable - Committed
Mortgage TypeKey BenefitsWorth Considering If You …
Conventional Fixed-Rate Mortgages
The lowest fixed interest rates for eligible buyers.
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✔ The best fixed rates
✔ No interest-rate surprises
✔ No interest-rate surprises
✔ Plan to stay in your home for a longer period of time
✔ Have an established credit history
✔ Can put at least 5% down on a home
✔ Have an established credit history
✔ Can put at least 5% down on a home
Adjustable-Rate Mortgages
The lowest rate for the first 3-10 years of the loan for eligible buyers. ARM loan payments may
increase after loan consummation.
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✔ The lowest short-term rates
✔ Initial lower monthly payments
✔ Initial rate periods of 3-10 years, then rates can adjust up or down
✔ Initial lower monthly payments
✔ Initial rate periods of 3-10 years, then rates can adjust up or down
✔ Know you’ll be moving within the next few years
✔ Have an established credit history
✔ Can put at least 5% down on a home
✔ Have an established credit history
✔ Can put at least 5% down on a home
Jumbo Mortgages
The lowest rates for higher-priced properties.
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✔ Increased purchase limits
✔ Competitive rates
✔ Fixed-rate and ARM options
✔ Competitive rates
✔ Fixed-rate and ARM options
✔ Are buying a home that exceeds conforming loan limits ($424,100 in
most areas)
✔ Have an established credit history
✔ Can put at least 20% down on a home
most areas)
✔ Have an established credit history
✔ Can put at least 20% down on a home
FHA Mortgages
Government-backed loans with flexible guidelines.
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✔ Low down payments
✔ Flexible qualification guidelines
✔ Fixed-rate and ARM options
✔ Flexible qualification guidelines
✔ Fixed-rate and ARM options
✔ Have limited funds for a down payment
✔ Don’t have an established credit history or have experienced credit challenges in the past
✔ Don’t have an established credit history or have experienced credit challenges in the past
VA Mortgages
Government-backed loans for military members.
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✔ Low or no down payment
✔ No mortgage insurance requirement
✔ Flexible qualification guidelines
✔ Fixed-rate and ARM options
✔ No mortgage insurance requirement
✔ Flexible qualification guidelines
✔ Fixed-rate and ARM options
✔ Are an active military member or veteran
✔ Are the surviving spouse of a service member who died as a result of military service
✔ Are the surviving spouse of a service member who died as a result of military service
Construction Loans
Flexible financing for your future home.
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✔ Convenient financing for new construction
✔ Construction-to-permanent loan options
✔ Construction-to-permanent loan options
✔ Are building a new home to your specifications
✔ Are buying a lot for a future home
✔ Are buying a lot for a future home
Investment Property Loans
Financing for properties that generate income.
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✔ Financing for residential rental property with 1-4 units
✔ A variety of loan options to choose from
✔ A variety of loan options to choose from
✔ Want to become a landlord
✔ Are buying a second home
✔ Are buying a second home
Fresh Start Loans
✔ 1 day of out of Bankruptcy – Foreclosure – Short-Sale
✔ Low or New Credit OK
✔ Low or New Credit OK
✔ Rates are fixed/no surprises
✔ Long-term loan options
✔ Long-term loan options
Private Lending
✔ Residential – Commercial – Construction
✔ No Doc – Stated income/verified assets OK
✔ High debt ratios
✔ Not so perfect credit
✔ No Doc – Stated income/verified assets OK
✔ High debt ratios
✔ Not so perfect credit
✔ Great for fix & flip
✔ Long-term loan options
✔ Customized terms
✔ Fast closings
✔ Long-term loan options
✔ Customized terms
✔ Fast closings
