Our loan programs are designed to meet the diverse needs of our clients. Here are the types of loans we offer:

1. Conventional Loans:

- Description: These are traditional loans that conform to guidelines set by Fannie Mae and Freddie Mac.

- Features: Competitive interest rates, flexible down payment options, and various loan terms.

2. FHA Loans:

- Description: Insured by the Federal Housing Administration (FHA), these loans are popular among first-time homebuyers and those with lower credit scores.

- Features: Low down payments, lenient credit requirements, and fixed or adjustable interest rates.

3. VA Loans:

- Description: Exclusively available to veterans, active-duty service members, and eligible surviving spouses, VA loans are guaranteed by the Department of Veterans Affairs.

- Features: No down payment requirement, flexible qualifying criteria, and competitive interest rates.

4. USDA Loans:

- Description: United States Department of Agriculture (USDA) loans cater to borrowers in rural or suburban areas, aiming to increase homeownership in these regions.

- Features: No down payment required, low-interest rates, and income limits apply.

5. Jumbo Loans:

- Description: Also known as non-conforming loans, jumbo loans exceed the maximum loan limits set by Fannie Mae and Freddie Mac.

- Features: Financing for higher-priced properties, various fixed and adjustable rate options.

6. Reverse Mortgages:

- Description: Specifically designed for homeowners aged 62 and older, a reverse mortgage allows individuals to convert part of their home equity into cash.

- Features: No monthly mortgage payments, tax-free cash disbursement, and remains in the home as long as it's the primary residence.

Please note that eligibility requirements, loan limits, and the availability of loan programs may vary. Consult with one of our loan officers to determine the best loan option for your specific situation.