Loan Programs
Which Mortgage Is Your Match?
Which Mortgage Is Your Match?
We offer a diverse portfolio of home loan products to meet the varying needs of our clients. Whether you are a first-time buyer, investor, self-employed, or high net worth, we can guide you towards your best financing solution.
Click any program below for details, or reach out for a quick conversation with a loan specialist.
Compare Loans
DSCR Loans
Investor Financing Qualified by Property Cash Flow — Not Personal Income.
- Qualify based on the property's rental income (Debt Service Coverage Ratio).
- No W-2s, tax returns, or personal DTI required.
- Available for LLCs and portfolio investors.
- Ideal for short-term rentals, long-term rentals, and BRRRR strategies.
Down Payment Assistance
Get Help With Your Down Payment and Closing Costs.
- Grants, second liens, and silent seconds available.
- Designed for first-time and repeat buyers with limited savings.
- Can be combined with FHA, VA, USDA, and conventional loans.
- Income and purchase-price limits may apply by program.
Fixed Rate Mortgages
Predictable Payments for the Life of the Loan.
- 30-, 25-, 20-, 15- and 10-year terms available.
- Buy a home with as little as 5% down (primary home).
- Refinance up to 95% of your primary home's value.
- Monthly payments remain the same for the entire term.
FHA Loans
Flexible Qualifying for First-Time and Credit-Recovering Buyers.
- 3.50% minimum down payment on purchase.
- Minimum credit score usually 620.
- Post-bankruptcy qualifying — 2 years after.
- Post-foreclosure qualifying — 3 years after.
VA Loans
A Hard-Earned Benefit for Veterans and Active-Duty Service Members.
- Competitive rates, routinely lower than conventional.
- Sellers can pay up to 6% of closing costs and concessions.
- Higher allowable debt-to-income ratios.
- Down payment as low as 0%.
HELOC
Turn Your Home Equity Into a Flexible Line of Credit.
- Borrow against the equity you have built in your home.
- Draw funds as needed during the initial draw period.
- Interest-only options available during the draw period.
- Use for renovations, debt consolidation, investments, or emergencies.
Reverse Mortgage
Access Your Home Equity Without Monthly Mortgage Payments.
- Available to homeowners age 62 and older.
- No required monthly principal or interest payments.*
- Receive funds as a lump sum, line of credit, monthly payments, or combination.
- Borrower remains the owner of the home.
Adjustable Rate Mortgages
Lower Initial Rate — Great for Shorter Time Horizons.
- 3/1, 5/1 and 7/1 ARMs available.
- Payment based on a 30-year repayment schedule.
- Rate fixed for the intro period, then adjusts annually.
- Often lower initial rate than a comparable fixed loan.