With many OPTIONS, we're bound to find the right fit! 

Some loans will fit your needs better than others, that why we have options!

Options! Come and get your options!!

Why so many Options?

To have options, or not to have options... that's the question right? Well you can't fit a square peg in a round hole, so that's why we have options! You can find ease in knowing that our mortgage experts will find you the perfect option for your specific needs.

EVERYONE GETS A MORTGAGE... because we have options!

 

Choosing the correct product for your specific needs can be daunting, with a plethora of options to choose from... how do you know if you're putting yourself in the best one? That's where we come in! Our experts will pair you with the perfect program that checks off all of your boxes.

 

 

FIXED RATE MORTGAGE | A fixed-rate mortgage is a home loan option with a specific interest rate for the entire term of the loan. Essentially, the interest rate on the mortgage will not change over the lifetime of the loan and the borrower's interest and principal payment will remain the same each month.

 

AJUSTABLE RATE MORTGAGE (ARM) | An adjustable-rate mortgage is a home loan with an interest rate that adjusts over time based on the market. ARMs typically start with a lower interest rate than fixed-rate mortgages, so an ARM is a great option if your goal is to get the lowest possible rate. However, the initial low interest rate won’t last forever. After the initial period, your monthly payment can fluctuate, which can make it difficult to factor into your budget.

 

LOAN TERMS | Most loans typically come in 30 year repayment terms but there are many other options out there! 15 year, 20 year, and even flex terms that allow you to have the repayment term that fits your needs best. Whether thats a 17 year or a 27 year, you choose when you want your loan to end.

 

CONVENTIONAL LOANS | A conventional loan is a mortgage loan that's not backed by a government agency. Conventional loans are broken down into "conforming" and "non-conforming" loans. Conforming conventional loans follow lending rules set by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac). However, some lenders may offer some flexibility with non-conforming conventional loans.

620+ FICO and 5% down (3% for first time home buyers)

 

FHA LOANS | An FHA loan is a type of government-backed mortgage loan that can allow you to buy a home with looser financial requirements. You may qualify for an FHA loan if you have debt or a lower credit score. You might even be able to get an FHA loan with a bankruptcy or other financial issue on your record. 550+ FICO and 3.5% down payment.

 

VA LOANS | A VA loan is a mortgage loan available through a program established by the U.S. Department of Veterans Affairs (VA) (previously the Veterans Administration). With VA loans, veterans, service members, and their surviving spouses can purchase homes with little to no down payment, no private mortgage insurance, and generally have the lowest interest rates.

550+ FICO and 0% down payment.

 

USDA LOANS | A USDA home loan is a mortgage either made or guaranteed by the United States Department of Agriculture's Rural Housing Service agency to help households with very low to moderate incomes purchase safe and affordable homes in rural areas. If you live in a rural area and can't qualify for a conventional loan, you may qualify for either a USDA guaranteed loan or a USDA direct loan. This program is designed primarily to help lower-income people living in rural conditions obtain a home that has modern utilities and adequate space.

550+ FICO and 0% down payment.

 

203K/REHAB LOANS | The FHA 203(k) loan is meant to encourage families in low- to moderate-income brackets to purchase homes that are in dire need of repairs, especially homes that are situated in old communities. The program allows an individual to buy a home and renovate it under one fixed-rate or adjustable-rate mortgage.1 The amount that is borrowed includes the purchase price of the home and the cost of renovation, including materials and hired labor.

 

JUMBO LOANS | A jumbo loan (or jumbo mortgage) is a type of financing where the loan amount is higher than the conforming loan limits set by the Federal Housing Finance Agency (FHFA). The 2022 loan limit on conforming loans for 1-unit properties is $647,200 in most areas and $970,800 in high-cost areas. For borrowers interested in purchasing more expensive properties, jumbo loans are a valuable alternative. An added benefit of this mortgage option is that there’s no mortgage insurance requirement. However, because this loan may come at a higher risk to the lender, it typically has slightly stricter qualification requirements than typical conforming loans that possess lower limits.

 

NON-QM LOANS | Non-QM loans don’t meet federal standards to be considered qualified mortgages, which have stringent rules to establish a borrower’s ability to repay a home loan. If you have a complicated income history or major credit bumps in your past, you’ll have a harder time being approved for a qualified mortgage, or QM. That’s where a non-QM loan (short for non-qualified mortgage), comes in.

 

 

  • Fixed Rates

  • Adjustable Rate Mortgage (ARM)

  • Conforming Loans

  • Jumbo & Super Jumbo Loans

  • FHA, VA, & USDA Loans

  • Terms from 5 to 30 Years

Get Your FREE Pre-Approval Letter Now!