Loan Options

Finding a great home loan involves careful consideration of your needs, finances and history. We are here to guide you.

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Purchase

Conventional Loans

Standard mortgage loans for qualified borrowers with good credit scores and stable income.

Competitive interest rates
Down payments as low as 3%
Fixed-rate and adjustable-rate options
No mortgage insurance with 20% down payment

FHA Loans

Government-backed loans with more lenient requirements, ideal for first-time homebuyers.

Down payments as low as 3.5%
Lower credit score requirements
Flexible debt-to-income ratios
Available for 1-4 unit properties

VA Loans

Loans for veterans, active-duty military personnel, and eligible spouses with excellent terms.

No down payment required
No private mortgage insurance
Competitive interest rates
Flexible credit requirements

Rehab Loans

Financing for homes needing repairs or upgrades. Roll the costs of the renovation into your loan.

Combines purchase price and renovation costs
Down payments as low as 3.5%
Fixed-rate and adjustable-rate options
Great for fixer-uppers and remodels

USDA Loans

Loans for rural and suburban homebuyers with low to moderate incomes.

No down payment required
Lower mortgage insurance premiums
Flexible credit requirements
Available for eligible rural areas

Jumbo Loans

Designed for high-value properties that exceed conforming loan limits. Ideal for well-qualified borrowers seeking larger loan amounts.

Loan amounts above $806,500 in most areas
Up to $1,209,750 in high-cost markets (2025)
Down payments typically 10–20%
Fixed-rate and adjustable-rate options

First Time Home Buyer

Popular loan programs for new buyers.

Down payments as low as 3%
FHA and Conventional options available
Flexible credit score requirements
Designed to make ownership accessible

Bank Statement Loans

Loans based on bank statements for self-employed individuals or those with non-traditional income.

Use bank statements instead of tax returns
Ideal for self-employed borrowers
Flexible income calculation methods
Various term options available

Bridge Home Loans

Short-term financing to transition between homes. Secure the transition between selling your current home and buying a new one.

Access equity before selling current home
Provides funds for new home purchase
Typically interest-only, short-term loans
Smooths move without timing pressure

Construction Home Loans

Build your dream home from the ground up with tailored financing designed for building or renovating a home.

Covers land, materials, and labor costs
Interest-only payments during construction
Converts to permanent mortgage at completion
Flexible terms for custom home projects

Investor Cash Flow (ICF) Loans

Loans for real estate investors based on property cash flow rather than personal income.

No personal income verification required
Based on property’s potential rental income
Available for various property types
Ideal for building a real estate portfolio

Fix & Flip Home Loans

Short-term financing for real estate investors.

Purchase and rehab investment properties
Interest-only monthly payment options
Quick approvals and streamlined closings
Designed for short-term resale strategy

HELOC Home Loans

Unlock the value in your home with flexible home equity lines of credit.

Access funds as needed
Interest-only payment options available
Revolving line of credit structure
Ideal for home improvements or expenses

Reverse Mortgage (HECM)

Convert a portion of your home equity into cash to secure your retirement.

No monthly mortgage payments required
Access equity as cash or line of credit
Must maintain taxes, insurance, and upkeep
Available to homeowners age 62+

HECM for Purchase (H4P)

Buy your next home with no monthly mortgage payments. With HECM financing, you can often purchase a more expensive home than if you paid all cash.

Purchase a new primary residence
No monthly mortgage payments required
Down payment typically 40–60%
Must maintain taxes, insurance, and upkeep

Refinance

Replace your current mortgage to improve terms.

Lower your interest rate or payment
Shorten or extend your loan term
Switch between fixed and adjustable rates
Remove private mortgage insurance (PMI)

Cash-Out Refinance

Access home equity for various purposes.

Receive cash for home improvements
Consolidate high-interest debt
Cover education or medical expenses
Fund major purchases or investments

VA Loan Refinance

There are two main ways to refinance your VA loan.

Interest Rate Reduction Refinance Loan (IRRRL)
Cash-out refinance to access equity
Lower payments or secure better terms
No private mortgage insurance required