Loan Programs

Loan Options

I offer a variety of loan options to support homebuyers, homeowners, and investors with different financial needs. Each loan program is designed for specific situations, and I’ll help you determine which option fits your goals.

FHA

A government-backed loan with flexible credit requirements and a low down payment. A great option for first-time buyers or those rebuilding credit.

Conventional

A popular loan option with competitive rates and flexible terms. Ideal for buyers with strong credit and stable income.

VA

A zero-down loan option exclusively for eligible veterans, active-duty service members, and surviving spouses. No private mortgage insurance required.

USDA

Designed for eligible rural and suburban homebuyers. Offers 100% financing and affordable monthly payments for qualifying borrowers.

Down Payment Assistance

Programs that help cover down payment and closing costs. Perfect for buyers who qualify but need help getting started.

Jumbo

For homes that exceed conventional loan limits. Offers flexible options for higher-value properties with competitive rates.

Bank Statement

An alternative loan option for self-employed borrowers. Qualify using bank statements instead of traditional income documentation.

DSCR

Designed for real estate investors. Approval is based on the property’s cash flow rather than personal income.

ITIN

Available for borrowers who file taxes using an ITIN instead of a Social Security number. A great option for many immigrant families.

Private Money

Short-term financing backed by property value rather than traditional lending guidelines. Often used for investment or time-sensitive purchases.

Reverse Loans

For homeowners age 62 and older looking to convert home equity into cash. No monthly mortgage payments required while living in the home.

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