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• 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

• 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

• 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

•  Fixed and adjustable rates available 
• Loan terms of 10, 15, 20 and 30, flexible terms available
• Loan Amounts in 2025 up to $806,500
• For primary, secondary, and investment properties
• Down payments as low as 3% for those that qualify
• Available for Purchase and Refinance Transactions
• In higher cost of living areas, loan amounts up to $1,209,750

•  Financing above Conforming Loan Limits
• Convenience of One Loan versus having Multiple Mortgages
• Purchase options available with a 5% down payment with NO Private Mortgage Insurance (PMI)
• Fixed and Adjustable Rate Mortgage Options
• Loan amount available for up to $4.5 million available

• Blemished credit
• Bank Statement Loans: 12 and 24 month available
• Investor Loans - DCSR
• Special Jumbo Loans
• Foreign National Loans
• Fix and Flip Loans

Non-QM Loans offer alternative financing options.  Please note, these loans are not sub-prime loans

• 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

• 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 for home improvements or funding for other projects
• Switch from adjustable to fixed-rate for stability
• Debt consolidation option to combine high-interest debts