Residential Mortgage Loans

• Standard Loan backed by Fannie Mae or Freddie Mac
• Minimum Fico Score of 620+
• Minimum 5% Down Payment for Repeat Buyers
• Minimum 3% Down Payment for First Time Home Buyers

FHA Loans:

• Backed by the Federal Housing Administration
• Minimum Down Payment is 3.5%

VA Loans:

• Financing depends on Veterans Certificate of Eligibility (COE)
• Backed by the Department of Veteran Affairs

USDA Loans:

• Backed by United States Department of Agriculture
• Eligibility depends on Zip Code/Rural Area
• 100% financing allowed

• Not your standard Amortized (payment) Schedule
• Flexible repayment terms
• Higher risk due to payment terms & lower than usual credit score being eligible
• Rates typically much higher

Non-traditional Loan programs Include:

• Ballon Payment Mortgage
• Interest Only Mortgage
• Payment Option ARMs (Adjustable-Rate Mortgage)
• Non-QM (NO DOC) Mortgage

For more information call or email.

* terms and conditions apply