Loan Products
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Have a question which loan products best fit for your situation.  Contact us and speak to one of our loan specialist.

 Conventional Loan Products

We work with lenders that offer some of the best Conventional options

15/30 year mortgage

  • Know your Principal & Payment (P&I) payment each month for the life of the loan
  • No stress if the interest goes up
  • Maximum loan amounts vary by county. Visit Federal Housing Finance Agency website to view the loan limit in your area.

Adjustable-rate mortgage (ARMs)

An adjustable-rate mortgage (ARMs) is a type of mortgage which typically has lower interest rate than on a fixed-rate mortgage.  Your monthly payment remains same for 5, 7, 10 years, then adjust annually.

Good Choice If:

  • If you are looking for lower rate and payment options
  • Planning to move or re-finance before end of the introductory fixed-rate period
  • Believe mortgage rates will decline in the future

HomeReady

Fannie Mae’s conventional option for borrowers looking to purchase with a low down payment or refinance with limited equity.

  • Purchases up to 97% including FTHB
  • Refinances serviced by FNMA eligible up to 97% LTV
  • Reduced Mortgage Insurance
  • High Balance available
  • Relaxed AMI income limits based on census tracts
  • Gift funds eligible for entire down payment

Home Possible

A great alternative to FHA financing for borrowers looking to purchase with a low down payment or refinance with limited equity.

  • Up to 95% LTV
  • First time homebuyers, move-up borrowers, and retirees
  • No income limits for Underserved Areas
  • No reserve requirements for 1-unit properties
  • Gift funds eligible for entire down payment

Home Possible Advantage

A great alternative to FHA financing for borrowers looking to purchase with a low down payment or refinance with limited equity.

  • Up to 97% LTV
  • First time homebuyers, move-up borrowers, and retirees
  • Refinances up to 97% LTV, regardless of current mortgage program
  • No income limits for Underserved Areas
  • No reserve requirements for 1-unit properties

 Government Loan Products

Federal Housing Administration (FHA) mortgage loan features:

  • Low down payment, low as 3.5% down payment
  • Easier to Qualify
  • Competitive interest rates
  • Fixed-rate and adjustable-rate mortgages (ARMs) are offered
  • Maximum loan amounts vary by county. Visit U.S. Department of Housing and Urban Development website to view the loan limit in your area.

U.S. Department of Veterans Affairs (VA) mortgage loan features:

  • $0 down payment for qualified borrowers
  • No PMI required
  • Flexible qualification guidelines compare to conventional loans
  • Competitive interest rates
  • Jumbo loans and ARMs available

 JUMBO Loans

A loan is considered a jumbo loan when the mortgage amount exceeds Fannie Mae and Freddie Mac guideline.  Currently loan limit is set at $424,100 for single family home and $636,150 for high-cost areas.  Visit Federal Housing Finance Agency website to view the loan limit in your area.

  • Financing available up to $2.5 million
  • Fixed rate and ARM loans available
  • Eligible for primary, secondary and investment properties

 Mortgage Refinance

Pay off your existing loan and replace it with a new one.

  • Secure a fixed lower mortgage rate
  • Shorten the loan term
  • Avoid Balloon payments
  • Eliminate Private Mortgage Insurance (PMI)
  • Cash out a portion of the home’s equity

 Hard Money/Private Money Loan

Developers and Flippers use hard money loan for your Real Estate Investment.

  • Fix and Flips
  • Construction Loans
  • Have a bad credit or need to act quickly
  • Close in 10 days or less