Loan Programs

Which Mortgage is Right for You?

There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs.

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Mortgage Rate Options

Explore our tailored services designed to fit your unique financing needs.
We guarantee transparency and expert guidance every step of the way.

Fixed Rate

The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.

Adjustable ARM

Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions. Typically, these loans carry a fixed-i...

Interest Only

Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specif...

Graduated Payments

Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and...

Loan Program Options

Blue Conventional Loans

Conventional Loans

A conventional loan is a type of loan that is not insured by the government. Conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers...
Blue Fha Loans

FHA Home Loans

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
Blue Va Loans

VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...
Blue Jumbo Loans

Jumbo Loans

A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $766,550 in...
Blue Conventional Loans

Debt Service Coverage Ratio

DSCR loans are a powerful tool for real estate investors who want to scale their portfolios without the hurdles of traditional income verification. Instead of looking at your personal pay stubs or tax returns, lenders focus on the cash flow of the property itself. If the rental income covers the mortgage payments and associated costs, the property qualifies. This makes it an ideal choice for developers and seasoned investors who want to move quickly on new acquisitions based on the asset's performance rather than their personal debt-to-income ratio.
Blue Fha Loans

USDA

USDA loans offer a fantastic path to homeownership for those looking at properties in designated rural and suburban areas. Backed by the U.S. Department of Agriculture, this program is unique because it allows for 0 percent down financing and typically offers lower interest rates than conventional loans. It is designed to help individuals and families with moderate-to-low incomes secure a primary residence in less-populated regions. For many borrowers, it represents the most affordable entry point into the housing market, turning the dream of owning a home into a tangible reality with minimal upfront capital.
Blue Va Loans

Adjustable Rate

An Adjustable-Rate Mortgage (ARM) is a loan where the interest rate is fixed for an initial period (usually 3, 5, 7, or 10 years) and then adjusts periodically based on market indices. For developers and tech-forward borrowers, ARMs are often viewed as a strategic tool rather than a risk. They typically offer a lower initial interest rate than 30-year fixed mortgages, which can significantly lower monthly payments in the short term. This makes them a great fit for homeowners who plan to sell or refinance before the initial fixed period ends, or for those who expect their income to rise substantially in the coming years.
Blue Jumbo Loans

Renovation Loans

Renovation Loans allow borrowers to bundle the purchase price of a home and the cost of repairs or upgrades into a single mortgage. Instead of taking out a high-interest personal loan or depleting savings after closing, you can finance the "after-repair value" of the property. This is a favorite for buyers looking at "fixer-uppers" in competitive markets. From a technical perspective, these loans require detailed contractor bids and a series of inspections during the draw process, but they offer an incredibly efficient way to build equity immediately by transforming a dated property into a modern residence.