Loan Programs

We’re the leaders in creating affordable mortgages that fit every budget.

Plans That Fit Your Life

Our mortgage solutions are built to be flexible, adjustable, and tailored to your unique needs.
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What we offer

Mortgages so simple, you see what you get.

Conventional Loan

A traditional mortgage meeting Fannie Mae/Freddie Mac criteria, requires solid credit, down payment.

FHA Loan

Government-insured mortgage allowing lower credit/down payments—ideal for first-time buyers, with flexible qualification terms.

VA Loan

U.S. Department of Veterans Affairs–backed financing—no down payment or mortgage insurance, for qualified veterans or service members.

USDA Loan

No down payment financing for eligible rural and suburban buyers.

Jumbo Loan

High-value home financing exceeding conforming limits.

Bank Statement Loan

Qualifies self-employed borrowers using bank deposits instead of tax returns.

VOE (Verification of Employment) Loan

Approval based mainly on employment verification and income.

P&L (Profit & Loss) Loan

Self-employed borrowers qualify using CPA-prepared P&L statements.

DSCR (Debt Service Coverage Ratio) Loan

Investor loans qualified by property income, not personal income.

Fix-and-Flip Loan

Short-term funding for buying, renovating, and selling homes.

Commercial Loan

Financing for income-generating business properties.

Construction Loan

Funds new builds or major renovations in stages.

Bridge Loan

Short-term financing between selling one property and buying another.

Hard Money Loan

Fast, asset-based lending for short-term needs.

Portfolio Loan

Kept by lender instead of being sold—flexible guidelines.

Reverse Mortgage

Converts home equity into cash for homeowners 62+.

SBA 7(a) and 504 Loans

Government-backed business loans for growth and expansion.

Home Equity Loan / HELOC

Borrow against home equity as a lump sum or revolving credit.

FHA 203(k) Rehabilitation Loan

Combines purchase and renovation costs into one loan.

Interest-Only Mortgage

Lower payments initially by paying interest only for a set time.

Our Value

Together, we make homeownership easier than ever

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Our Value

Smarter Lending, Better Living
We make homeownership simple, clear, and achievable.

Our Vision

To make housing finance accessible and effortless for everyone" Our Mission and Our Motto: keep the old versions.

No prepayment fees or penalties.
Pay off your loan when you’re ready.

Flexibility to pay your loan off early, giving you peace of mind and potential interest savings.
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