What we do?
We provide flexible residential loan solutions tailored to fit your home-buying or refinancing needs. From conventional mortgages to FHA and VA loans, our offerings come with competitive rates and terms, helping you secure the home of your dreams with confidence and ease.
Conventional Mortgage Loans
A mortgage loan backed by a government-sponsored entity.
Common type of loan but does not offer benefits of FHA, VA, or USDA loans.
Originated, backed, and serviced by private lenders (banks, credit unions, etc.).
Classified into conforming and non-conforming loans based on guidelines by Fannie Mae and Freddie Mac.
Common type of loan but does not offer benefits of FHA, VA, or USDA loans.
Originated, backed, and serviced by private lenders (banks, credit unions, etc.).
Classified into conforming and non-conforming loans based on guidelines by Fannie Mae and Freddie Mac.
Conventional Mortgage Loans
A mortgage loan backed by a government-sponsored entity.
Common type of loan but does not offer benefits of FHA, VA, or USDA loans.
Originated, backed, and serviced by private lenders (banks, credit unions, etc.).
Classified into conforming and non-conforming loans based on guidelines by Fannie Mae and Freddie Mac.
Common type of loan but does not offer benefits of FHA, VA, or USDA loans.
Originated, backed, and serviced by private lenders (banks, credit unions, etc.).
Classified into conforming and non-conforming loans based on guidelines by Fannie Mae and Freddie Mac.
Federal Housing Administration (FHA) Loans
Mortgage loan backed by the Federal Housing Administration (FHA).
Requires lower credit scores and down payments compared to many conventional loans.
Popular with first-time homebuyers.
Available in 15 and 30-year terms with fixed interest rates.
Designed to help borrowers who may not qualify for private mortgages.
Requires lower credit scores and down payments compared to many conventional loans.
Popular with first-time homebuyers.
Available in 15 and 30-year terms with fixed interest rates.
Designed to help borrowers who may not qualify for private mortgages.
Federal Housing Administration (FHA) Loans
Mortgage loan backed by the Federal Housing Administration (FHA).
Requires lower credit scores and down payments compared to many conventional loans.
Popular with first-time homebuyers.
Available in 15 and 30-year terms with fixed interest rates.
Designed to help borrowers who may not qualify for private mortgages.
Requires lower credit scores and down payments compared to many conventional loans.
Popular with first-time homebuyers.
Available in 15 and 30-year terms with fixed interest rates.
Designed to help borrowers who may not qualify for private mortgages.
Veterans Administration (VA) Loans
Available to veterans, active service members, and surviving spouses.
Allows for little or no down payment and no private mortgage insurance.
Provides up to 100% financing on the value of a home.
Issued by private lenders, not directly by the VA.
Can be used to purchase, build, improve, or refinance homes.
Allows for little or no down payment and no private mortgage insurance.
Provides up to 100% financing on the value of a home.
Issued by private lenders, not directly by the VA.
Can be used to purchase, build, improve, or refinance homes.
Veterans Administration (VA) Loans
Available to veterans, active service members, and surviving spouses.
Allows for little or no down payment and no private mortgage insurance.
Provides up to 100% financing on the value of a home.
Issued by private lenders, not directly by the VA.
Can be used to purchase, build, improve, or refinance homes.
Allows for little or no down payment and no private mortgage insurance.
Provides up to 100% financing on the value of a home.
Issued by private lenders, not directly by the VA.
Can be used to purchase, build, improve, or refinance homes.
Non-Qualified Mortgage (Non-QM)
A loan that allows qualification using alternative methods like bank statements or assets.
Designed for borrowers with unique financial situations outside conventional standards.
Offers more flexibility and real estate investment opportunities.
Designed for borrowers with unique financial situations outside conventional standards.
Offers more flexibility and real estate investment opportunities.
Non-Qualified Mortgage (Non-QM)
A loan that allows qualification using alternative methods like bank statements or assets.
Designed for borrowers with unique financial situations outside conventional standards.
Offers more flexibility and real estate investment opportunities.
Designed for borrowers with unique financial situations outside conventional standards.
Offers more flexibility and real estate investment opportunities.
Debt-Service Coverage Ratio (DSCR)
Measures available cash flow to pay current debt obligations.
Shows whether a company or borrower has enough income to cover debts.
Used by lenders to assess the borrower’s ability to finance income-generating properties.
Shows whether a company or borrower has enough income to cover debts.
Used by lenders to assess the borrower’s ability to finance income-generating properties.
Debt-Service Coverage Ratio (DSCR)
Measures available cash flow to pay current debt obligations.
Shows whether a company or borrower has enough income to cover debts.
Used by lenders to assess the borrower’s ability to finance income-generating properties.
Shows whether a company or borrower has enough income to cover debts.
Used by lenders to assess the borrower’s ability to finance income-generating properties.
HECM Reverse Mortgage
A loan that allows homeowners to borrow using their home as collateral.
The title remains in the homeowner’s name.
Does not require monthly mortgage payments.
The loan is repaid when the borrower no longer lives in the home, offering various repayment options.
The title remains in the homeowner’s name.
Does not require monthly mortgage payments.
The loan is repaid when the borrower no longer lives in the home, offering various repayment options.
HECM Reverse Mortgage
A loan that allows homeowners to borrow using their home as collateral.
The title remains in the homeowner’s name.
Does not require monthly mortgage payments.
The loan is repaid when the borrower no longer lives in the home, offering various repayment options.
The title remains in the homeowner’s name.
Does not require monthly mortgage payments.
The loan is repaid when the borrower no longer lives in the home, offering various repayment options.