We offer a range of loan programs to meet our clients' needs:

1. Conventional Loans: These are traditional mortgages that conform to the guidelines set by Fannie Mae and Freddie Mac. They typically require a down payment of at least 3% and offer fixed or adjustable interest rates.

2. FHA Loans: Insured by the Federal Housing Administration (FHA), these loans are designed for first-time homebuyers and those with low-to-moderate incomes. They have more flexible qualification requirements and allow a down payment as low as 3.5%.

3. VA Loans: Exclusive to veterans, active-duty military personnel, and eligible spouses, VA loans offer favorable terms and benefits such as no down payment requirement, competitive interest rates, and limited closing costs.

4. USDA Loans: Backed by the United States Department of Agriculture (USDA), these loans are ideal for homebuyers in rural and suburban areas. They provide 100% financing, low-interest rates, and affordable mortgage insurance.

5. Jumbo Loans: For higher-priced properties, jumbo loans exceed the conforming loan limits set by Fannie Mae and Freddie Mac. They are available with both fixed and adjustable interest rates.

6. Reverse Mortgages: Designed specifically for homeowners aged 62 or older, reverse mortgages allow seniors to convert a portion of their home equity into loan proceeds, which they can receive as a lump sum, monthly payments, or a line of credit.

Please note that eligibility requirements, rates, and terms may vary for each loan program. Contact us to discuss your specific needs and determine the best loan option for you.