Loan Options

⭐  Popular Loan Options

✔️ 1% Down Payment

✔️ Down Payment Assistance

✔️ VA Home Loan

✔️ 500 FICO Purchase/Refinance

✔️ FHA 203(k) Renovation

✔️ Cashout Refinance

🏠 Conventional Loans

Ideal for borrowers with good credit and steady income.

✔️ Flexible down payments (as low as 3%)

✔️ Competitive fixed or adjustable rates

✔️ Great for primary residences, second homes, or investment properties

🧱 FHA Loans

Great for first-time buyers or those with limited down payment funds.

✔️ Low down payment (3.5%)

✔️ Easier credit qualification 

✔️ Can be used for single-family or certain multi-unit properties

🪖 VA Loans

For eligible veterans, active-duty service members, and spouses.

✔️ 0% down payment

✔️ No private mortgage insurance (PMI)

✔️ Flexible credit and income guidelines

🌾 USDA Loans

Perfect for homes in eligible rural or suburban areas.

✔️ 0% down payment

✔️ Low interest rates

✔️ Ideal for moderate-income buyers

💼 Self-Employed & 1099 Contractor Loans

Designed for entrepreneurs, freelancers, and small business owners.

✔️ Bank statement and 1099 income programs available

✔️ No tax returns required (in many cases)

✔️ Flexible underwriting for variable income

🏘️ Investment Property Loans

Grow your portfolio with flexible mortgage options for rental or flip properties.

✔️ Conventional and DSCR (Debt Service Coverage Ratio) programs

✔️ Finance single-family or multi-unit properties

✔️ Competitive terms designed for investors

💸 Home Equity Lines of Credit (HELOC)

Tap into your home's equity for renovations, debt consolidation, or major expenses.

✔️ Access funds as you need them

✔️ Pay interest only on what you use

✔️ Ideal for homeowners who want flexibility

🔄 Refinance Options

Lower your rate, shorten your term, or access cash from your home's equity.

✔️ Streamline programs available for FHA, VA, and Conventional loans

✔️ Cash-out or rate-and-term options

✔️ Quick closing process