Conventional Loans
Conventional Loans are mortgage loans that are not insured by the government agency, such as FHA, VA, and USDA loans, but they generally meet the lending guidelines that have been set by Fannie Mae or Freddie Mac. Conventional loans do not require mortgage insurance, unlike FHA, VA, and USDA loans if a 20% equity requirement is met. The most common types of conventional loans are 30 year fixed, 15 year fixed, and Adjustable Rate Mortgages.
FHA Loans
FHA Loans are insured by the Federal Housing Administration. These loans are designed to benefit the first-time home buyers or those with less than perfect credit. FHA loans allow borrowers to obtain low down payment loans with lower interest rates.
Refinance loans
Refinance loans allow home owners the opportunity to reduce their monthly payments in addition to reducing their interest rates in most cases.
Foreign National Loans
Foreign National Loan programs allow non-US citizens to obtaina loan to purchase their dream home.
Commercial Loans
We offer Commercial Loans for the purchase of a business where there is property involved.
HARP 2.0
Home Affordable Refinance Program allows most borrowers with existing Fannie Mae and Freddie Mac loans to refinance their homes when they owe more on their home than their home is worth.
USDA Loans
USDA Loan program is insured by the US Department of Agriculture, allowing qualified individuals who are purchasing or refinancing their home loan in an area that is not considered a major metropolitan area by USDA to obtain a loan with zero down payment.
VA Loans
VA loans are guaranteed by the U.S. Department of Veteran Affairs, and are available to most military veterans with great benefits suchas low interest rates and no down payment requirement.