Loan Programs

First time home buyer looking into your first home mortgage?

Interested in finding out more about refinancing?

Building your rental portfolio?

No matter what your mortgage needs are, we will work to find a solution to fit your requirements. We are always available to offer more information and help you weigh your options. Our goal is to help you make an educated, advantageous decision that will be to your best benefit.

Conventional Loans

Conventional home loans conform to the guidelines of Fannie Mae or Freddie Mac.

  • 3% – 5% minimum down payment
  • With or without mortgage insurance
  • Purchase or refinance
  • Primary, secondary, and investment properties, up to 4 units
FHA Loans

FHA mortgages are sponsored by the government and have lenient credit qualifications.

  • Minimum 3.5% down payment
  • Mortgage insurance required
  • Purchase or refinance
  • Primary residence only, up to 4 units
VA Home Loans

VA home loans are government sponsored loans for active or inactive military veterans with at least two years’ of experience.

  • 0% down payment
  • No mortgage insurance
  • Purchase or refinance
  • Primary residence only, up to 4 units
Jumbo Loans

Jumbo loans are for loan amounts that exceed Conventional limits.

  • Minimum 10% down payment
  • With or without mortgage insurance
  • Purchase or refinance
  • Primary, secondary, and investment properties, up to 4 units
Commercial & Multi-Family
A Commercial or Multi-Family loan makes the purchase or refinance of investment properties possible. Required down payments and loan terms are dependent on qualifications.
USDA Rural Housing
A Rural housing loan is ideal for purchasing a home in qualified rural areas outside of a larger metropolis.

  • 0% down payment
  • No mortgage insurance
  • Subject to annual fee
  • Purchase or refinance
  • Primary residence only
Homes for Heroes

Are you a community hero? Firefighters, police officers, teachers, and healthcare workers qualify for discounts on closing costs through Homes for Heroes!

  • Works with all loan programs
  • Primary residence, second home, investment property
  • Purchase or refinance
  • Save even more when you work with a Homes for Heroes Realtor
FHA 203(k) Rehab, full and streamline
FHA 203(k) loans allow you to finance the cost to repair and renovate a home.

  • Minimum 3.5% down payment
  • Mortgage insurance required
  • Purchase or refinance
  • Primary residence only, up to 4 units
Conventional HomeStyle Renovation
HomeStyle Renovation loans allow you to finance the cost to repair and renovate a home under Conventional guidelines.

  • Minimum 5% down payment
  • With or without mortgage insurance
  • Purchase or refinance
  • Primary, secondary, and investment properties, up to 4 units
DSCR Loans

A DSCR loan lets real estate investors qualify based on property income, not personal income. Learn the pros and cons to see if this property-based financing fits your strategy.

  • Works with all loan programs
  • Primary residence, second home, investment property
  • Purchase or refinance
  • Save even more when you work with a Homes for Heroes Realtor
Reverse Mortgages

A reverse mortgage lets homeowners 62+ tap home equity without monthly payments, repaid when the home is sold, the owner moves, or passes away.

Also allows you to:

  • Buy a new home with a reverse mortgage

  • Use equity instead of full cash payment

  • Avoid monthly mortgage payments on the new home

HELOC (Home Equity Loan)

A HELOC (Home Equity Line of Credit) lets you borrow against your home’s equity as a revolving credit line, using funds as needed and paying interest only on what you draw.

Also allows you to:

  • Fund home improvements, debt consolidation, or investments

  • Reuse the credit line as you repay

  • Access cash flexibly during the draw period

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