WE ARE HERE TO FIND THE BEST LOAN PROGRAMS FOR YOU!

Conventional loan is a term you’re bound to encounter when you’re shopping for a mortgage. After all, this common mortgage type is offered by most lenders. Qualifying can be tougher than with government loans, but the options fit a wider range of buyers and properties.

Conventional loan programs is a mortgage that is not guaranteed or insured by any government agency, including the Federal Housing Administration (FHA), the Farmers Home Administration (FmHA) and the Department of Veterans Affairs (VA). It is typically fixed in its terms and rate.

• Up to 97% financing available
• 0 score financing available
• Citizen Abroad program available
• Financing available up to 10 properties
• FNMA Homestyle Renovation Loan available

Federal Housing Administration or FHA provides mortgage insurance on loans made by FHA-approved lenders. FHA insures these loans on single family and multi-family homes in the United States and its territories. It is the largest insurer of residential mortgages in the world, insuring tens of millions of properties since 1934 when it was created. Designed for low-to-moderate income borrowers, FHA loans require a lower minimum down payments and credit scores than many conventional loans.

• 203K Full and 203K Streamline
• 203H Disaster Loan
• 0 Score Financing Available

A VA loan is a mortgage loan that’s issued by private lenders and backed by the U.S. Department of Veterans Affairs. It helps U.S. veterans, active duty service members, and widowed military spouses buy a home. Eligible borrowers may only use VA loans for their primary residence. You can’t finance an investment property or vacation home with a VA loan.

• No Down Payment Required
• No Private MIP
• 0 Score Financing Available

A USDA Home Loan from the USDA loan programs, also known as the USDA Rural Development Guaranteed Housing Loan Program, is a mortgage loan offered to rural property owners by the United States Department of Agriculture.

• No Down Payment Required
• Ability to roll in MI for low closing costs
• Streamline and Streamline Assist programs available

USDA Home Loans have Maximum Household Income Limits which vary by the County you purchase a home in. The Maximum Household Income Limits are based upon everyone in the home who is a wage earner, even if their income is not going to be used to qualify for the USDA Loan.

A Reverse Mortgage Refinance is for senior (62 years or older) homeowners that allows them to access a portion of the equity of their home. It eliminates a monthly mortgage payment and frees up additional monies to be used for other living expenses. The funds received from a Reverse Mortgage are not subject to taxes and do not affect any benefits that are being received from Social Security or Medicare. Funds that are received are not restricted for use and many individuals find the program can vastly improve their quality of life. A Reverse Mortgage is not for everyone, but talking to a Reverse Mortgage specialist can answer all the question you may have to see if it’s right for you.

• No monthly payments, it eliminates your current mortgage payment
• Receive a line of credit or monthly payments
• Non-recourse, you, or your heirs, can never owe more than the home is worth
• Funds from a Reverse Mortgage can be used anyway you like
• Reverse Mortgage can also be used to purchase a home!