Loans & Services (***always subject to change***)

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 - 30-Year & 15-Year Fixed Rates

- 3% Down Payment Options for First-Time Home Buyers

- As low as 5% Down Payment Options for Non-First-Time Buyers

- Non-Occupant Co-Signors Allowed

- Options for no PMI

- 620 minimum credit score

 - 3.5% Down Payment Option

- Can have a non-occupant 

co-signor (family member)

- Can qualify 2 years out of a Chapter 7 Bankruptcy

- 580 minimum credit score with 3.5% down payment

- 500-579 minimum credit score with 10% down payment

 - 0% Down Payment Option

- No PMI

- Only applies to designated areas, so notify us if you are wanting this loan option so that we can confirm if where you are looking qualifies.

- 640 minimum credit score

 - Allows you to keep a jumbo loan conventional by having an 80% loan amount, 10% home equity line of credit, and 10% down payment.

- HELOC principal available for the first 10 years!

- No PMI

- 680 minimum credit score

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 - Conventional Loan Options to finance Condos & Townhomes are available.

- HOA Must Be Factored Into Debt & Housing Ratios

- Notify  us that you are looking for this type of property as it requires a different letter.

- 620 minimum credit score

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 - 0% Down Payment Option

- $0 Lender Fees - I pay them for you as my way of saying: "Thank You For Your Service!"

- No PMI

- Not all Veterans qualify. You will need your Certificate of Eligibility or Discharge of Duty.

- 600 minimum credit score

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 - Allows homebuyer to make multiple renovations to a property through a contractor.

- Can be used to purchase or refinance your primary home and renovate it with one loan.

- FHA 203Ks available

- Conventional HomeStyle Available

- 620 minimum credit score

 - Can be purchased through a FHA, Conventional, USDA, or VA Loan

- These require their own pre-approval. Let us know if this is the property type you are looking for.

- 580 minimum credit score

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 - Must be in a person's name, not a business.

- Loan sizes $100,000+

- 15% - 20% down payment for single-family

- 25% down payment for multi-unit (2-4 unit)

- 6 months reserves requirement

- 680 minimum credit score

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