Programs We Offer

Purchases
Primary, second homes, and investment property

Refinances, both rate and term and cash out
Primary, second homes, and investment property

Conventional loans
Minimum credit score of 620
Purchase
5% minimum down payment for primary home purchases
The down payment may be gifted by a relative
We offer both monthly mortgage insurance options and financed mortgage insurance options.
10% minimum down payment for second home purchases

Refinance
90% maximum loan to value for a rate and term refinance
80% maximum loan to value for a cash out refinance

VA
0% down payment required
Must be a Veteran or surviving spouse of a Veteran
Minimum of 580 credit score required
These loans can be done 2 years after bankruptcy, foreclosure, or short sale
VA required funding fee is waived for disabled Veterans
Can be structured with ZERO out of pocket costs

VA Interest Rate Reduction Loan (IRRL)
Up to 100% loan to value
Must be a current VA loan
Must be a Veteran
No appraisal required

FHA
3.5% minimum down payment
The entire down payment can be gifted by a relative
Minimum credit score of 580 required
Required monthly and financed mortgage insurance
These loans can be done 3 years after bankruptcy, foreclosure, or short sale

USDA
0% down payment required
Minimum credit score of 580 required
Property must be eligible on the USDA map
Required monthly and financed mortgage insurance
These loans can be done 3 years after bankruptcy, foreclosure, or short sale

We offer many more programs and it would be impossible to list them all!

Please call us today for a loan customized to suit your needs!