Residential Home Loans
VA loans offer special benefits to current members of the military, veterans and eligible surviving spouses. Benefits include less-restrictive credit guidelines and lower down payment options. We’re always pleased to help those who serve our country get into a home!
Make the move into your dream home! Jumbo loans provide a great option for home buyers purchasing homes that exceed conforming limits. If you have good credit and a large down payment, a jumbo loan might be right for you.
Move away from the city and purchase a home with no down payment. USDA loans offer programs to rural home buyers who meet USDA’s income eligibility requirements. For eligible home buyers, USDA loans feature no down payment options and generally favorable interest rates. This is a good loan option for lower income homebuyers and first-time homebuyers in rural and suburban areas.
Looking for a little help in getting into a new home? Down payment assistance programs help homebuyers with access to large sums of money through grants or loans to use as a downpayment. These funds can be made available through government and state housing agency programs or private organizations. In many cases the downpayment doesn’t have to be paid back.
Get money from your lender instead of making monthly payments to your lender. A reverse mortgage is available to homeowners age 62 and older with equity in their homes. Reverse mortgage payments can be received monthly, in a lump sum or through a line of credit. Most reverse mortgages today are called HECMs, short for Home Equity Conversion Mortgage.
Not quite ready to lock in a long-term fixed rate? An adjustable rate mortgage might be a good option for you. ARMs feature lower interest rates, but the interest rate can change (or adjust) after a fixed amount of time. This type of loan might also be a good option for you if you are looking to own a home for a shorter period of time.
Are you an entrepreneur or have irregular income? For homebuyers with non-traditional or complex tax returns, a Non-QM loan is a great option. Examples of a Non-QM loan include interest-only mortgages or limited/alternative documentation loans.
Self Employed individuals whose tax returns have extensive write offs and don’t accurately reflect the cash flow received by the individual/business.
Individuals with limited/no income but substantial assets.
Established investors who cannot qualify for traditional financing due to the number of properties owned or have tax returns are structured. Also allows title to be held in the name of a trust or business to give the individual more protection from liability.
Individuals who are not U.S. Citizens, Permanent Resident Aliens or do not have an acceptable Visa classification to be considered an eligible Non-Permanent Resident Alien
The Smart Start Handbook is an outline of what to expect during the loan process. It explains the expectations of us as your lender as well as the expectations for you as the buyer to ensure the smoothest transaction.
Meet The Team
Process Flow
Pre-Qualified vs Pre-Approved
Close On Time Guarantee
Common Cupporting Documents
Do's & Dont's