Whether you're a first-time homebuyer, upgrading to your dream home or exploring investment opportunities, let us help you find the perfect option for your home financing goals! Know your 2025 Loan Limits here since this will affect your minimum down payment required  and your mortgage rates below. 

Option 1 - First-Time homebuyer programs 

• Ideal for new buyers looking for tailored assistance. 
• Down payment as low as 3%. 
• Benefits include reduced Mortgage Insurance Premiums (MIP) and competitive interest rates. 
• Area Median Income (AMI) Lookup Tool to determine income eligibility for the HomeReady mortgage program 

Option 2 - FHA Loans

• Ideal for homebuyers with low credit scores
• Down payment as low as 3.5%
• Benefits include low credit score requirements and flexible Debt-To-Income (DTI) ratio. 

Option 3 - VA Loans 

• For eligible veterans, active-duty service members and their families. 
• Down payment: 0%
• Benefits include no Private Mortgage Insurance (PMI) and competitive rates. 

Option 4 - Conventional Loans

• Ideal for buyers with good credit and stable income. 
• Gift funds allowed for down payment. 
• Down payment: As low as 3%.
• Benefits include competitive interests rates, and flexible terms. 

Option 5 - Jumbo loans

• Best for buyers purchasing high value homes above conforming loan limits. 
• Down payment: 15% - 20%
• Benefits include financing for luxury properties and customized terms. 

Option 6 - Closed-end Second Mortgage 

• Tap into home equity for debt consolidation, home improvements. 
• Lump-sum loan with a fixed interest rate. 
• Benefits include competitive rates compared to personal loans or credit cards. 
• Please reach out to me to explore your rate options.

Option 7- Construction Loans

• Please complete our quick form here to get a personalized quote for current construction rates.  

Option 8 - USDA Loans

• Best for buyers in rural and suburban areas. 
• Down payment: 0%

• Please complete our quick form here to get a personalized quote for current USDA rates.

Option 9 - DSCR (Debt Service Coverage Ratio) Loan

• Best for real estate investors focused on property cash flow. 
• 1 - 4 units, Condotel, Mixed-use and Multi-family (5 - 8 units) allowed.
• Down payment: 20% - 25%
• Benefits include quality properties based on rental income (investment properties only), no personal income or tax returns verification. 
• Please reach out to me to explore your rate options. 

Option 10 - Bank Statements Loans

• Best for self-employed borrowers or business owners with a minimum of 2 years of self-employment record. 
• Down payment: Varies based on qualifications. 
• Benefits: Use 12 - 24 months of bank statement to verify income, no tax returns needed. 
• Use personal or business bank statements.
• Please reach out to me to explore your rate options.  

Option 11 - Delayed Financing

• Make competitive all-cash offer
• Avoid financing delays during closing
• Quick access equity after purchase
• Ideal for investors and homebuyers. 
• More information on delayed financing here

Please complete our quick form here for your customized delayed financing rates. 

Option 12 - Foreign National

• No FICO score required. 
• CPA letter covering last 2-year and Year-To-Date.
• 1 bank reference letter. 
• Overseas assets allowed as reserves. 
• Gift funds allowed. 
• Min borrower contribution is 20%. 
• Please reach out to me to explore your rate options.  

Our menu above highlights some of our most popular programs, if you don't see what you are looking for, please reach out to me or one of our team members here to explore additional possibilities.