An FHA (Federal Housing Administration) loan is a government-backed mortgage designed to help lower-income and first-time buyers qualify for home financing by offering lower down payment requirements and more flexible credit standards than conventional loans.

A USDA loan is a government-backed mortgage designed to help eligible buyers in rural and suburban areas secure affordable home financing. The key benefit of a USDA loan is that it requires no down payment, making homeownership more accessible for those who may not have significant savings for a traditional down payment.

A VA loan is a government-backed mortgage designed to help veterans, active-duty service members, and eligible surviving spouses achieve homeownership with little to no down payment.

A Conventional Loan is a traditional mortgage that is not backed by any government agency. These loans are offered by private lenders, and they typically require higher credit scores and larger down payments compared to government-backed loans. However, they also offer more flexible terms and potentially lower costs for qualified buyers.

We recognize that one-size-fits-all financing doesn’t work for every borrower. That’s why we offer specialized loan products including: Construction, Renovation, Investment Properties, Jumbo, 1099 Income, Profit and Loss, Debt Service Coverage Ratio, and Assets Qualifier Loans.