Our Expertise
Finding the best loan program and lender that will meet each client's wants and needs. We offer a variety of loan programs.
FHA LOANS
FHA home loans are mortgages which are insured by the Federal Housing Administration(FHA)
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Minimum credit score: 580
​Down Payment: 3.5%
Gift funds allowed for down payment and closing costs
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FHA Streamline Refinances Eligible
VA LOANS
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low-interest rates and no down payment requirement.
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Minimum credit score: 580
​Down Payment: 0%
Gift funds allowed for down payment and closing costs
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IRRL Eligible(Refinance)
USDA LOANS
USDA Loan Program assists in providing low- and moderate-income households the opportunity to become home owners! Eligible applicants may purchase, build, rehabilitate, improve or relocate a dwelling in an eligible rural area with 100% financing.
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Minimum credit score: 620
Down Payment: 0%
No MI
No maximum loan amount
Rate/Term refinances allowed
Gift funds allowed for down payment and closing costs
ITIN LOANS
Individual Tax Identification Number (ITIN) loans are for applicants who are not eligible for Social Security numbers. This program gives applicants the flexibility to obtain their dream home
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Minimum credit score: 660
Down Payment: 25%-35%
No MI
Gift funds allowed for down payment and closing costs
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Ask about the 2- buy down rate program. 1st year reduced interest rate by 2%, 2nd year reduced interest rate by 1% and 3rd year resets to original qualifying rate.
CONVENTIONAL LOANS
A Conventional loan is a mortgage loan that's not backed by a government agency. These loans come in all shapes and sizes, and while they don't provide some of the benefits as FHA, VA and USDA loans, conventional loans remain the most common type of mortgage loan.
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Min Credit Score: 620
Down Payment: 5%
Gift funds allowed for down payment and closing costs
Up to 10 financed properties
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Refinance and Cash out Refinances Eligible
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INVESTMENT LOANS
This loan program provides flexibility for investors and self employed applicants.
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Loan Types:
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-Bank Statement Loans
-DSCR Loans
-Foreign National Loans
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Ask us for more details!