Tailor Fit For Every Client

Government-backed loans are insured by federal agencies, allowing lenders to offer more flexible qualifying guidelines and lower down payments. These include FHA loans (Federal Housing Administration), VA loans (for veterans and military), and USDA loans (rural areas).

A conventional loan is a mortgage not backed by a government agency. These loans typically require a minimum credit score of 620 and a down payment as low as 3%. They're available in fixed-rate and adjustable-rate options and conform to limits set by Fannie Mae and Freddie Mac.

Non-conventional (non-QM) loans are designed for borrowers who don't meet traditional qualifying criteria. These include bank statement loans, asset depletion loans, ITIN loans, and more — giving self-employed borrowers and unique situations a path to homeownership.

Commercial mortgage loans are used to purchase or refinance commercial real estate — including office buildings, retail centers, multifamily properties (5+ units), warehouses, and more. Terms and qualifications differ from residential mortgages.

A reverse mortgage (HECM — Home Equity Conversion Mortgage) allows homeowners age 62+ to convert part of their home equity into cash without selling their home or making monthly mortgage payments. The loan is repaid when the borrower moves, sells, or passes away.

Debt Service Coverage Ratio (DSCR) loans allow real estate investors to qualify based on the cash flow of the rental property rather than personal income. If the property's rental income covers the mortgage payment, you may qualify — no tax returns or employment verification needed.

Refinancing replaces your existing mortgage with a new one — typically to secure a lower interest rate, reduce monthly payments, change the loan term, or access equity (cash-out refinance). Available for primary residences, second homes, and investment properties.

Down Payment Assistance (DPA) programs are grants or low/no-interest second mortgages provided by state housing finance agencies, local governments, and non-profits to help buyers cover the down payment and closing costs. Many programs are forgivable.