Loan Programs

A mortgage not insured or guaranteed by a government agency.

Suitable for borrowers with good credit and a substantial down payment.

Backed by the government, often with lower down payment requirements and more flexible credit criteria.

Aimed at first-time homebuyers or those with limited financial resources.

Exclusive to eligible military veterans, active-duty service members, and their spouses.

Typically offers favorable terms, including zero down payment.

  Instead of providing tax returns and W-2 forms, applicants submit their personal or business bank statements, typically covering the past 12 to 24 months. Lenders use these statements to assess the borrower's cash flow and income.  

Due to the increased risk associated with limited income documentation, Bank Statement Loans may come with slightly higher interest rates compared to traditional mortgages. 

DSCR loans prioritize the property's ability to generate sufficient income to cover its debt payments. Lenders use the DSCR ratio to assess this by dividing the property's net operating income (NOI) by its total debt service.​

Generally, a DSCR ratio above 1 indicates that the property generates enough income to cover its debt obligations.

 DPA loans offer financial support to eligible homebuyers by providing a portion or the entire down payment required to secure a mortgage. This can be especially beneficial for individuals who may have difficulty saving for a down payment on their own. 

For home purchases that exceed conforming loan limits.

Suited for high-value properties, providing financing beyond standard loan limits.

Offers an initial fixed interest rate, which later adjusts based on market conditions.

Suitable for individuals who anticipate changes in their financial situation or plan to move before the rate adjusts.

Designed for rural and suburban homebuyers, offering low to zero down payment options.

Income restrictions may apply.

Allows borrowers to pay only the interest for a specified period, typically the initial years.

Useful for those with fluctuating income or short-term financial goals.

Geared towards older homeowners, it allows them to convert home equity into cash.

Repayment is typically deferred until the borrower sells the home, moves, or passes away.

Short-term financing option used when a homeowner is buying a new home before selling their existing one.

Helps bridge the financial gap between the sale and purchase of properties.