"Planning is bringing the future into the present so that you can do something about it now."
Alan Lakein
Loan Programs
Conforming Fixed
Options that allow for up to
3% down
FHA,VA&USDA RD
Smaller down payments and expanded qualifying ratios.
We can lend down to a 500 FICO score on FHA.
Vacant Land
Options that allow for as little as 10% down
Jumbo Loans
Low rate options for loan amounts up to $3 million
Home Ready & Home Possible
97% financing with reduced mortgage insurance for qualified borrowers.
Construction
Financing for the construction of a new home with as little as 5%* down.
Zero Down Payment Options
0% down payment option for the first-time and repeat home buyers.
Common Sense Portfolio Programs
Flexible programs and options for loans that don’t fit “in the box”.
Non Warrantable Condominium
Financing for newer condo projects that do not meet conventional guidelines.
NEXA New
Financing for qualified borrowers who have had a financial hardship such as a short sale or BK.
NON QM Loans
Rather than using cash for a down payment apply it towards a lower interest rate and shorter loan term.
Renovation Programs
Streamline renovation loans that allow for the purchase and rehab for a home.
Home Equity Loans
Closed-end 2nd mortgages and lines of credit available as stand alone products or in combination with a 1st mortgage and a combined CLTV of up to 95%.
Professional
Home financing for established professionals for as little as 3% down without monthly mortgage insurance.
Doctor Loans
Practicing Physicians may qualify for $0 down and no mortgage insurance.
Downpayment Assistant Programs
Options available to assist with down payment and closing costs for qualified borrowers.
