Conventional Loan
Ideal for buyers with solid credit. Competitive rates, down payments from 3%, and no mortgage insurance with 20% down.
- · Down payment from 3% for eligible first-time buyers
- · No upfront mortgage insurance, and PMI drops off as you build equity
- · Fixed 15, 20 and 30-year terms, plus adjustable options
Conventional Loan details FHA Loan
Flexible credit and income requirements with a low down payment, designed to make first-time homeownership reachable.
- · Down payment as low as 3.5%
- · More forgiving credit guidelines than conventional loans
- · Gift funds from family are allowed for the down payment
FHA Loan details Loans for Foreign Nationals
Buying in the U.S. without permanent residency is possible. Clear requirements, documented step by step.
- · No U.S. credit history required in most programs
- · International income and bank statements accepted as documentation
- · Available for second homes and investment properties
Loans for Foreign Nationals details VA Loan
For veterans and active duty service members: zero down payment, no PMI, and some of the strongest rates available.
- · Zero down payment on eligible purchases
- · No private mortgage insurance, ever
- · Competitive fixed rates and limits on certain closing costs
VA Loan details Jumbo Loan
Financing above conventional limits for luxury properties, with competitive rates for strong financial profiles.
- · Loan amounts above county conforming limits
- · Fixed and adjustable structures for high-value properties
- · Asset-based and self-employed documentation options
Jumbo Loan details Refinance
Lower your payment, shorten your term, or access your home's equity — whichever actually saves you the most.
- · Rate-and-term refinance to reduce your monthly payment
- · Cash-out refinance to consolidate debt or fund renovations
- · Term reduction to build equity faster
Refinance details Investment Property
Structure the right financing for rental and investment homes, built around the numbers the property actually produces.
- · Programs that qualify on projected rental income
- · Single-family, condo and small multi-unit properties
- · Portfolio planning for buyers acquiring multiple doors
Investment Property details Down Payment Assistance
State and local programs that help cover down payment and closing costs for eligible buyers.
- · Assistance toward down payment and eligible closing costs
- · Income and purchase price limits vary by county
- · Often pairs with FHA or conventional first mortgages
Down Payment Assistance details