Our loan programs cater to a variety of real estate financing needs. Here are some details about each program:

1. Conventional Loans:

- These loans follow the guidelines set by Fannie Mae or Freddie Mac, offering competitive interest rates and flexible terms.

- Borrowers typically need good credit and a down payment of at least 3% to qualify.

2. FHA Loans:

- Backed by the Federal Housing Administration, these loans are designed to help first-time homebuyers and individuals with lower credit scores.

- With a down payment as low as 3.5%, FHA loans offer more lenient qualification criteria.

3. VA Loans:

- Exclusive to eligible veterans, active-duty service members, and surviving spouses, VA loans provide favorable terms and zero or low down payment options.

- These loans are guaranteed by the Department of Veterans Affairs, promoting homeownership among veterans.

4. Jumbo Loans:

- For high-end properties or borrowers seeking larger loan amounts beyond the limits set for conventional loans, jumbo loans are available.

- Jumbo loans offer competitive rates but may require higher credit scores and larger down payments.

5. USDA Loans:

- Aimed at rural and suburban homebuyers with limited income, USDA loans provide 100% financing with low-interest rates and relaxed credit requirements.

- These loans are insured by the U.S. Department of Agriculture.

6. Adjustable-Rate Mortgages (ARMs):

- ARMs offer an initial fixed interest rate for a predetermined period, after which the rate adjusts periodically.

- Borrowers may benefit from lower initial rates but should consider potential rate changes in the future.

7. Home Equity Loans:

- Homeowners can tap into their home's equity with a home equity loan, using their property as collateral.

- This loan type is ideal for financing home improvements or other large expenses.

8. Refinance Loans:

- Refinance loans give homeowners the opportunity to obtain a new loan with better terms, such as lower interest rates or shorter repayment periods.

- Borrowers can refinance their existing mortgage to potentially reduce monthly payments or pay off their loan sooner.

Please note that eligibility criteria, down payment requirements, and interest rates may vary based on individual circumstances. It's recommended to consult with our lending experts to determine the most suitable loan program for your specific needs.