Site Content
FHA Loans
- Backed by the Federal Housing Administration
- Ideal for first-time homebuyers and those with lower credit scores or higher debt ratios
- Available for primary and secondary residences
- 3.5% down payment, which can be gifted
- Sellers can contribute up to 6% toward closing costs
- Requires Mortgage Insurance Premium (MIP) for the life of the loan
va loans
- Designed for veterans, active-duty service members, and eligible spouses
- No down payment required for eligible borrowers
- No private mortgage insurance (PMI)
- Competitive interest rates and flexible credit requirements
- Available for primary and secondary residences
usda loans
Reverse Mortgages
- Designed for rural and suburban homebuyers
- No down payment required
- Low mortgage insurance costs
- Flexible credit guidelines
- Property must be in eligible rural or suburban areas
Reverse Mortgages
Reverse Mortgages
Reverse Mortgages
- For homeowners aged 62+ looking to access home equity
- No monthly mortgage payments (home must remain primary residence)
- Multiple payout options – lump sum, monthly payments, or line of credit
- FHA-insured loan with built-in borrower protections
- Retain homeownership while converting equity into cash
- Repayment is deferred until the home is sold or no longer occupied by the borrower
Refinances
Reverse Mortgages
Refinances
- Lower your monthly payment with a better interest rate
- Shorten your loan term to pay off your home faster
- Cash-out refinance is available to access home equity
- Switch from adjustable to fixed-rate for stability
- Debt consolidation option to combine high-interest debts