FHA

FHA mortgages are a great option for first-time homebuyers looking for an affordable loan option. With looser credit requirements, these loans can be easier to qualify for than a traditional mortgage. FHA mortgages come with lower down payment requirements, often as low as 3.5%, making it easier to purchase a home. Plus, FHA loans come with competitive interest rates and can be used to purchase single-family homes, multi-family homes, and even manufactured homes. With an FHA mortgage, you can get into the home of your dreams in no time

Conventional

This conventional mortgage is perfect for those looking for a long-term, fixed-rate loan with an affordable down payment. You can expect competitive rates and terms with this mortgage, and the option to customize your loan to fit your unique financial needs. Our team of experienced mortgage advisors are available to help guide you through the process and provide you with the support you need to make the right decision. With a conventional mortgage, you can benefit from low monthly payments and the security of a fixed rate. Get the right financing today and start building your future.

VA

The VA Loan is a great option for veterans and active military members looking to purchase a home. It provides them with exclusive benefits such as no down payment, reduced closing costs, and flexible credit requirements. VA loans are backed by the U.S. Department of Veteran Affairs, making them one of the most secure and reliable loan options available. With a VA Loan, veterans and active military members can finance up to 100% of their home's purchase price. This makes it easy for them to purchase their dream home without having to worry about saving for a large down payment.

USDA

USDA Loans are a great option for those looking to purchase a home in a rural or suburban area. These government-backed loans provide 100% financing with no downpayment required, making them ideal for first-time homebuyers or those with limited savings. USDA Loans also offer low fixed-rates and low monthly payments, making them highly affordable and accessible. Additionally, USDA Loans don’t require private mortgage insurance, making them a cost-effective choice. With a USDA Loan, you can make your dream of owning a home come true.

Bank Statement 

Our Bank Statement loan is a great solution for self-employed borrowers who need a flexible mortgage. This loan requires no tax returns or income verification, and instead uses your monthly bank statements to prove your income. Qualifying applicants will be able to use up to 12 months of bank statements to prove their income, and can have up to 50% of their income from deposits. With competitive rates and up to 90% LTV, our Bank Statement loan is a great option for self-employed borrowers.

DSCR

A DSCR (Debt Service Coverage Ratio) is a key metric used to determine the ability of a borrower to make mortgage payments. It is calculated by dividing the property's net operating income by the total amount of debt service. With a DSCR of 1.25 or above, the borrower has the ability to cover their loan obligations without using their own personal income. A DSCR of 1.25 or greater is often a requirement for loan approval. A DSCR helps lenders assess the financial stability of potential borrowers and determine the risk of the loan.