Loan Programs

Reverse mortgages are great loans for individuals over the age of 62 that want to have more flexibility in their monthly cash flows.

Specific counties allow for an extension of the conforming loan limits. These areas are high cost but Fannie/Freddie allow their qualifying guidelines to be extended.

Jumbo loans are loan amounts above the conforming limit. These loans are not part of the Fannie/Freddie market and as such have different underwriting requirements.

This government-backed loan is made for those living in rural areas.

VA loans are the best loans in the industry, as they should be! If you are active military, a veteran, or an eligible family member of a veteran you will want to look into a VA loan.

FHA loans are a great option for first time home buyers. They require 3.5% down and allow for a higher debt-to-income ratio than a conventional loan.

Conventional loans with less than 20% are required to have mortgage insurance. However there are several different ways that you can manage your short and long term payment when it includes MI.

Conventional conforming loans are the gold standard in the mortgage industry. With a 20% down payment or more they carry the lowest overall costs of any mortgage.

Have you had significant recent credit issues such as a foreclosure or bankruptcy? Is your income tough to document? Are you a non-US citizen looking to purchase property in the US?