Loan Programs

onventional Mortgages

A standard conventional or sometimes referred to as a conforming mortgage is a traditional mortgage offered by private lenders. Conventional loans are required to meet the lending guidlines or Fannie Mae and Freddie Mac. Minimum credit score is 620 and require a minimum of 5% downpayment. 

FHA Mortgages
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates, lower down payment, lower credit score requirements, and higher sellers concessions.

VA Mortgages
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.

USDA Mortgages
USDA mortgage is a 100% financing loan offered through a guarentee with the United States Department of Agriculature. This loan has property eligibility and borrower income limits.
Search USDA Income Limits by County
Search USDA Property Eligibility Map

Reverse Mortgages
Reverse Mortgages allow seniors to take cash out of their homes equity or purchase a home without having to worry about a principle and interest payment.

What kind of loan program is best for you?
Should you get a fixed-rate or adjustable rate mortgage? A conventional loan or a government loan? Deciding which mortgage product is best for you will depend largely on your unique circumstances, and there is no one correct answer.