Loan Products

An FHA loan, also known as a Federal Housing Administration loan, is a mortgage loan program offered by the U.S. Department of Housing and Urban Development (HUD). It is designed to help individuals with lower credit scores and moderate-income borrowers who might face challenges qualifying for traditional conventional mortgages. The FHA loan program aims to make homeownership more accessible by offering more lenient qualification criteria and lower down payment requirements. 

Down payments as low as 3%

Fewer restrictions compared with government-back loans, such as no military affiliation (VA) or rural area (USDA) required

No upfront mortgage insurance required

Private Mortgage Insurance (PMI) can be canceled after 20 percent equity is achieved. A borrower must initiate MI termination based on original value of property

 For 75 years, VA Home Loans have positively impacted the lives of  generations of America’s veterans and their families. Contact me  today to find out if a VA loan is the right solution for your unique  needs. 

 If a conventional mortgage isn’t the right fit for your dream home,  the Advantage Non-QM loan may be the perfect solution. This  versatile mortgage features flexible qualifications for people with  less-than-perfect credit, and it’s available for primary homes,  vacation homes, condos, investment properties, and co-ops.  Open up more opportunities with a Non-QM loan that gives you  the advantage. 

 Financing a home doesn’t have to be complicated. A Jumbo Express  loan offers greater flexibility and more purchasing power for dream  homes, vacation homes, and investment properties. This simplified  mortgage is available for buying a home and refinancing with  streamlined processing times to get to closing even faster.  

 A reverse mortgage is a financial product primarily designed for senior homeowners (typically age 62 and older) who own their homes outright or have a significant amount of home equity. It allows them to access a portion of their home equity in the form of loan proceeds without the requirement of monthly mortgage payments. Instead, the loan is repaid when the borrower permanently moves out of the home, sells the home, or passes away. 

 Manufactured or mobile home financing refers to the process of obtaining a loan to purchase or refinance a manufactured home, which is a type of factory-built housing. Manufactured homes are constructed in a controlled environment and then transported to the intended location. These homes can be single-wide (one unit) or double-wide (two units joined together), and they come in various sizes and styles. 

 An ITIN loan, also known as an Individual Taxpayer Identification Number loan, is a type of mortgage loan designed for individuals who do not have a Social Security Number (SSN) but possess an ITIN issued by the Internal Revenue Service (IRS). An ITIN is a unique tax processing number that is used for tax reporting purposes by individuals who are not eligible for an SSN.