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The Perfect Loan Built for You

Conventional Loan

A conventional loan is the type most people are familiar with and they are offered by most lenders. These loans often follow the guidelines for down payments and income set by two institutions that are sponsored by the U.S. Government: Fannie Mae and Freddie Mac.

FHA Loan

FHA loans are ideal for many home purchasers, as they are guaranteed by the government under the Federal Housing Administration. The US Federal Housing Administration protects lenders by providing mortgage insurance, which safeguards them against the possibility of financial loss due to borrowers defaulting on loans.

Jumbo Loan

Jumbo loans are a type of nonconforming conventional loan. These loans are for those who want to borrow more than the conforming loan servicing limit permissible in their geographical area.

USDA Loan

USDA loans are an excellent option for homebuyers who prefer to live in a rural setting. This program, which is administered by the United States Department of Agriculture, assists approved lenders in providing low- and moderate-income households the chance to own adequate, decent, and safe dwellings as their primary residence in eligible rural areas.

VA Loan

Much like FHA loans, VA loans are insured by the government. However, they are only available to current members of the Armed Forces or veterans of the Armed Forces (which includes the Reserves and National Guard). The reason is that the U.S. Department of Veterans Affairs is the government agency responsible for insuring these loans. This program has helped millions of members of the U.S. military buy a home ever since its inception in 1944.

Non-Qualified Mortgage Loans

When a loan doesn’t meet the standards of a qualified mortgage, it’s called a Non-Qualified Mortgage or Non-QM. The loan utilizes non-traditional methods of income verification to help borrowers get approved for a home loan. These types of loans are designed for borrowers with unique income qualifying circumstances, such as having a low credit score, high debt-to-income ratio or variable income that precludes a traditional mortgage. If you find yourself in this category, a nonqualified loan may be a viable option for you.