Comprehensive Guide to Our Purchase Mortgage,  Down Payment Assistance & Refinance Programs offered by our team.  

• Conventional Loans
• Jumbo Loans
• VA Loans
• FHA Loans
• USDA Loans
• Adjustable-Rate Mortgages (ARMs)
• Fixed-Rate Mortgages
• High-Balance Loans
• Second Mortgages (Home Equity Loans and HELOCs)
• Reverse Mortgages
• Down Payment Assistance Programs
• ITIN Loan at 3.5% Down Payment
• Investor DSCR Loans
• Bank Statement Loans
• Investor Fix and Flip

1. Conventional Loans

Description: Privately funded loans not secured by a government entity.

Pros: Financing for almost any property type, good terms, interest rates, and possible low down payments.

Cons: More expensive for those with low or poor credit.

Ideal For: Stable employment, strong credit history, minimal debt, and down payments of at least 3%-5%.

2. Jumbo Loans

Description: Exceeds conforming loan limits set by Fannie Mae and Freddie Mac.

Pros: Financing for expensive properties, competitive interest rates.

Cons: Higher interest rates due to lender risks, tougher qualification criteria.

Ideal For: Excellent credit, substantial savings, minimal debt, looking for luxury properties.

3. VA Loans

Description: For U.S. Military members, veterans, and eligible spouses, offering 0% down payments.

Pros: No mortgage insurance, no loan limits, and low-interest rates.

Cons: Must be for primary residence, one-time VA funding fee.

Ideal For: Military veterans, active service members, and eligible military spouses.

4. FHA Loans

Description: Government-backed loans with a lower down payment and favorable terms.

Pros: Accessible to those with lower credit scores, lower down payments.

Cons: Borrowing limits and required mortgage insurance.

Ideal For: Lower credit scores, limited income, first-time homebuyers.

5. USDA Loans

Description: For low- and moderate-income buyers in eligible rural areas, with no down payment required.

Pros: Lower mortgage insurance requirements, no down payment.

Cons: Income and property location limitations.

Ideal For: Buyers seeking 0% down payment options in rural areas.

6. Adjustable-Rate Mortgages (ARMs)

Description: Mortgages with a variable interest rate.

Pros: Lower initial payments, flexibility, can save money if paying off early.

Cons: Potential higher payments after the introductory period, unpredictable financial standing.

Ideal For: Short-term homeowners, those expecting to pay off early.

7. Fixed-Rate Mortgages

Description: Mortgages with a constant interest rate over the term.

Pros: Predictable monthly payments, long-term stability.

Cons: Higher total interest cost over the life of the loan.

Ideal For: Long-term homeowners, those preferring payment stability.

8. High-Balance Loans

Description: Exceeds standard loan limits but adheres to Fannie Mae and Freddie Mac guidelines.

Pros: Available in high-cost areas, often lower rates than jumbo loans.

Cons: May have higher rates than standard conventional loans.

Ideal For: Buyers in high-price markets needing conventional loans.

9. Second Mortgages (Home Equity Loans and HELOCs)

Description: Loans leveraging home equity.

Pros: Diverse financial goals, fixed (home equity loans), and revolving (HELOCs) credit options.

Cons: Stringent rates and qualification requirements.

Ideal For: Utilizing home equity for financial needs.

10. Reverse Mortgages

Description: For homeowners 62+, the lender pays the borrower.

Pros: No monthly payments, non-taxable income.

Cons: Significant costs, potential foreclosure risks.

Ideal For: Supplemental retirement income for older homeowners.

11. Our Down Payment Assistance Programs – No First Time Home Buyer or Income Restriction!

a. 5 Year Forgivable Down Payment Assistance

Sales Price: $350,000

Assistance up to 5%: $17,500

Benefit: Fully forgiven after 5 years, subject to conditions. Ideal for long-term homeownership.

b. 30/10 Repayable Option Down Payment Assistance

Sales Price: $350,000

Assistance up to 5%: $17,500

Benefit: Needs to be repaid over time. Suited for buyers who can manage additional repayment terms.

c. Closing Cost Assistance – Repayable Option

Sales Price: $350,000

Assistance up to 5%: $17,500

Benefit: Provides immediate financial relief at the time of purchase for closing costs.

12. ITIN Loan at 3.5% Down Payment

Description: A loan that allows qualification for a home purchase without a social security number, using an ITIN number. Flexible co-signer options and uses gross income for qualification.
Pros: No tax returns needed, suitable for mixed-status households, offers up to 40-year term amortization.
Cons: Requires ITIN verification, not available to all applicants.
Ideal For: Borrowers with an ITIN number seeking flexible terms and lower monthly payments.

13. Investor DSCR Loan

Description: Designed for investors, this loan offers up to 80% LTV on properties up to $2M. It requires a minimum FICO score of 620 and includes eligibility for investment purchases and refinances.
Pros: Can finance up to 20 properties, offers various pre-payment penalty options, and eligible to close in an LLC.
Cons: Appraisals from two different appraisers required for loans over $1.5M.
Ideal For: Investors looking for competitive rates and flexible loan terms.

14. Bank Statement Loan

Description: A loan option for self-employed borrowers based on personal or business bank statements, offering up to 90% LTV without requiring mortgage insurance.
Pros: Suitable for higher loan amounts up to $3.5M, no need for tax returns, pay stubs, or W2s.
Cons: Must have 12 months of bank statements available showing income at minimum.
Ideal For: Self-employed individuals seeking a mortgage based on bank statements.

15. Investor Fix-n-Flip

Description: Our Fix and Flip offers financing for fix & flip investment properties, with quick approvals and closings in as little as 48 hours.
Pros: No appraisal required, financing for both purchase and renovation costs, available nationwide except for specified markets.
Cons: Higher interest rates compared to traditional loans.
Ideal For: Investors looking for short-term financing for renovation projects with quick turnaround times.