Loan Options
Choose from a wide range of mortgage products designed to meet your unique financial needs and homeownership goals.
Featured Loan Programs
Conventional Loans
The most popular mortgage option with competitive rates and flexible terms for qualified borrowers.
Key Features:
- • Down payments as low as 3%
- • No mortgage insurance with 20% down
- • Loan amounts up to $766,550
- • Fixed and adjustable rate options
- • Flexible debt-to-income ratios
FHA Loans
Government-backed loans with flexible qualification requirements, perfect for first-time buyers.
Key Features:
- • Down payments as low as 3.5%
- • Credit scores as low as 580
- • Gift funds allowed for down payment
- • Assumable loans available
- • Flexible income requirements
VA Loans
Exclusive benefits for eligible veterans, active duty service members, and their families.
Key Features:
- • $0 down payment required
- • No private mortgage insurance
- • Competitive interest rates
- • No prepayment penalties
- • Reusable benefit
Jumbo Loans
Financing for high-value properties that exceed conventional conforming loan limits.
Key Features:
- • Loan amounts above $766,550
- • Competitive jumbo rates
- • Flexible underwriting guidelines
- • Portfolio and agency options
- • Various term options
Additional Programs
USDA Rural Loans
Zero down payment loans for eligible rural and suburban properties with income limits.
Non-QM Loans
Alternative documentation loans for self-employed borrowers and unique financial situations.
Construction Loans
Short-term financing for building your dream home from the ground up.
Investment Property
Loans for rental properties and real estate investments with competitive rates.
Renovation Loans
Finance both the purchase and renovation costs in a single loan package.
Physician Loans
Special programs for medical professionals with unique income and debt considerations.
Frequently Asked Questions
How do I choose the right loan program?
The best loan program depends on your financial situation, credit score, down payment amount, and property type. Our loan officers will review your needs and recommend the most suitable options.
What credit score do I need?
Credit score requirements vary by loan program. Conventional loans typically require 620+, FHA loans 580+, and VA loans have no minimum but 620+ gets better rates.
How much can I borrow?
The amount you can borrow depends on your income, debt-to-income ratio, credit score, and the loan program. We'll help you determine your maximum loan amount during pre-qualification.
What documents do I need?
Typically you'll need recent pay stubs, W-2s, bank statements, tax returns, and documentation of any other income or assets. We'll provide a complete checklist.
Ready to Find Your Perfect Loan?
Our experienced loan officers are here to help you choose the right program and get pre-approved.