Loan Products

 FHA loans are a great option for first-time buyers or anyone looking for more flexible financing. They’re backed by the Federal Housing Administration and can work well for borrowers with lower credit scores or higher debt. With as little as 3.5% down (including gifted funds), plus the option for sellers to cover up to 6% of closing costs, they can make buying a home more accessible. Keep in mind, FHA loans come with mortgage insurance premiums (MIP) that typically last for the life of the loan.

Designed specifically for veterans, active-duty service members, and eligible spouses, VA loans offer numerous benefits such as no down payment required for qualified borrowers, no private mortgage insurance (PMI), and competitive interest rates. Additionally, these loans have flexible credit requirements and can be utilized for both primary and secondary residences. 

Designed for rural and suburban homebuyers, USDA loans require no down payment and offer low mortgage insurance costs. These loans also come with flexible credit guidelines, making them accessible to a wider range of applicants. Additionally, properties must be located in eligible rural or suburban areas, similar to the benefits offered by FHA loans and VA loans, which cater to different buyer needs. 

Fixed and adjustable rates are available for various loan options, including FHA loans, VA loans, and USDA loans. Loan terms range from 10, 15, 20, to 30 years, offering flexible terms to suit your needs. In 2026, loan amounts can go up to $832,750 for primary, secondary, and investment properties. For those who qualify, down payments can be as low as 3%. These options are available for both purchase and refinance transactions, including home equity lines of credit. In higher cost of living areas, loan amounts can reach up to $1,249,125, making it easier to secure financing for your home.

Financing above Conforming Loan Limits can be achieved through various options, including FHA loans and VA loans. The convenience of having one loan versus managing multiple mortgages is a significant advantage. You can explore purchase options with a 5% down payment that comes with NO Private Mortgage Insurance (PMI), as well as fixed and adjustable-rate mortgage options. Additionally, loan amounts are available for up to $5 million.

 Think you don't qualify for a mortgage because your income isn't traditional? You may have more options than you realize!

If you're self-employed, a bank statement loan may allow you to qualify using 12 or 24 months of bank statements instead of tax returns.

Real estate investor? A DSCR loan may qualify you based on the property's rental income—not your personal income.

Retired or have significant assets? Asset depletion or asset utilization loans may be a great fit.

There are also specialized programs available, including 1099 loans, P&L loans, ITIN loans, Foreign National loans, and Interest-Only options.

Every borrower's situation is different, so if you're wondering what you may qualify for, let's talk. I'd be happy to help you explore your options!

For homeowners aged 62+ looking to access home equity, reverse mortgages can be an excellent option. These loans allow you to convert your home equity into cash without requiring monthly mortgage payments, provided the home remains your primary residence. You can choose from multiple payout options, such as a lump sum, monthly payments, or a line of credit. As an FHA-insured loan, reverse mortgages come with built-in borrower protections, allowing you to retain homeownership while benefiting from your home’s equity. Repayment is deferred until the home is sold or no longer occupied by the borrower.

Lower your monthly payment with a better interest rate through options like FHA loans or VA loans. You can shorten your loan term to pay off your home faster, or consider a cash-out refinance to access home equity lines of credit for home improvements or funding other projects. Additionally, switching from an adjustable to a fixed-rate mortgage can provide stability, while debt consolidation options can help you combine high-interest debts effectively.