Financing Options
We take pride in being an equal opportunity lender, and financing our clients to purchase or refinance primary residences, Secondary or Vacation and Investment or Rentel properties with quality of service as a main component, while we offer our products irrespective of race, color, religion, national origin, sex, handicop or familial status.
Conventional Loans
Conventional loans (Conforming mortgage loans) are ideal for borrowers with good credit, following Fannie Mae and Freddie Mac guidelines. They offer fixed terms of 10, 15, 20, 25, and 30 years, with flexible options from 8 to 30 years in some cases.
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Cash-out Loans
Cash out loans are useful when you have major expenses and don’t intend to borrow from other sources, especially if they happen to be a more expensive form of borrowing than doing a cash-out from the equity built on your property.
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Rate and Term Refinance Loans
Rate and term refinancing is usually opted for and not limited to the following reasons:
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Shorten your loan term – Pay higher monthly but save big on total interest.
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Lower your rate – Refinance with an improved credit score to cut payments.
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Drop PMI – Remove or reduce insurance with higher home equity.
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Extend your term – Reduce monthly payments if your finances have changed.
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Switch to fixed rate – Avoid rising costs as your ARM adjustment nears.
ARM Loans
Adjustable-Rate Mortgage (ARM) loans have interest rates that change over time, usually on a 30-year term. Rates are fixed for the first 3–10 years, then adjust periodically based on market conditions, which may raise or lower your payments.
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Jumbo Loans
Jumbo loans or non-conforming loans are loans that exceed the conforming loan limits set by the FHFA. These loans are used to finance higher-priced properties that exceed the limits established for conventional or government-backed loans.
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Piggyback Loan
A piggyback loan, also known as a combo loan or 80/10/10 loan, is a creative financing strategy used in real estate to avoid paying private mortgage insurance (PMI) and to facilitate the purchase of a home with a smaller down payment.
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FHA Loans
FHA loans are mortgage loans insured by the Federal Housing Administration (FHA), which is a part of the U.S. Department of Housing and Urban Development (HUD). FHA loans are designed to make homeownership more accessible, especially for first-time homebuyers and individuals with lower credit scores.
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VA Loans
VA loans, backed by the U.S. Department of Veterans Affairs, help eligible veterans, service members, and spouses buy homes. A key benefit is no down payment, with financing up to 100% of the purchase price.
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Bank Statement Loans
These programs are often beneficial for self-employed individuals who may have fluctuating income or multiple sources of income. Instead of providing traditional income documentation, applicants may be required to submit several months of personal or business bank statements to demonstrate their cash flow and ability to meet mortgage payments.
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ITIN Loans
Flexible mortgage solutions designed for borrowers using an ITIN instead of a Social Security Number. Ideal for self-employed individuals and foreign nationals looking to purchase or refinance property in the U.S.
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Investment Property Loans
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