FHA

VA - DEPARTMENT OF VETERAN AFFAIRS

a man, woman and child sitting at a table eating food

CONVENTIONAL

Low down payments and flexible credit requirements make homeownership more accessible.

No down payments and no private mortgage insurance, making homeownership more affordable for veterans.

Lower interest rates and flexible terms for borrowers with good credit, offering a variety of options for home financing.

LOAN PROGRAMS:

Customized Solutions for Your Unique Needs

There's NOT a one-size-fits-all.

Find the Best Fit for Your Needs

Understanding which loan program suits you best is crucial. While interest rates are important, there are other benefits to exploring different programs.

By educating yourself on all available options, you can leverage unique advantages tailored to your financial situation, ensuring you make the most informed decision for your home financing needs.

DPA - DOWN PAYMENT ASSISTANCE

ALTERNATIVE DOCS

NO INCOME/ VERIFICATION CHECK

Discover how down payment assistance programs can make homeownership more affordable by covering down payments and closing costs, with some programs now forgivable for simply making on-time payments!

Allows homebuyers to qualify without traditional income verification, using alternative documentation like bank statements, asset verification, and more.

Allows cash business owners to qualify for home loans without traditional documents like tax returns or W-2s, and it's 100% completely legal.

FOREIGN NATIONALS

MOBILE HOMES

ITIN

Facilitates homeownership for non-U.S. citizens without a Social Security Number or U.S. credit history, using alternative documentation to qualify.

Discover flexible and accessible financing solutions for purchasing or refinancing mobile homes, with competitive rates and comprehensive loan coverage tailored to meet diverse borrower needs.

Provides financing opportunities for individuals without a Social Security Number, using an Individual Taxpayer Identification Number, enabling homeownership without traditional documentation.

EQUITY PROGRAMS

Secure Low-Interest Loans: Use equity for home improvements, debt consolidation, or major expenses at lower rates than personal loans or credit cards.

Increase Home Value: Invest in upgrades to boost your home’s market value and equity.

Fund Major Life Events: Finance education, start a business, or cover unexpected expenses.

Plan for Retirement: Supplement retirement income, providing financial stability.

Avoid PMI: Refinance with substantial equity to remove private mortgage insurance, reducing monthly payments.

CASH OUT/REFINANCE

Enables homeowners to access cash by refinancing their mortgage for more than they owe, using the extra funds for major expenses or debt consolidation while potentially securing a lower interest rate.

HELOC ARV

Provides access to home equity for financing home improvements, consolidating debt, or covering major expenses, with flexible terms and potentially lower interest rates.

Allows homeowners aged 55+ and older to convert home equity into cash without monthly mortgage payments, providing financial security in retirement.

REVERSE MORTGAGE

a silver credit card on top of a white stand

HELOC/HELOAN

Unlock your home's potential with our brand new 2024 HELOC ARV program, offering up to 95% financing based on your home's future value, perfect for immediate renovations and expansions.

HOME EQUITY IS A POWERFUL FINANCIAL TOOL OFFERING NUMEROUS BENEFITS:

BRIDGE LOANS - REVERSE 1031 EXCHANGE

Provides short-term financing to help homeowners buy a new property before selling their current one, ensuring a smooth transition without the need for immediate sale.

a large bridge over a large body of water

BLANKET LOANS

Simplifies the management and financing of multiple properties by combining them into a single loan, turning your pile of bills into one convenient payment, potentially reducing overall costs.

Allows you to customize your home, increase its value, and combine costs into a single loan with flexible terms and potential savings.