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 2026 Loan Limits here since this will affect your minimum down payment required  and how this may impact your financing options. 

Option 1 - First-Time homebuyer programs 

• Ideal for new buyers looking for tailored assistance. 
• Low down-payment options available for qualified buyers.  
• Benefits may include reduced Mortgage Insurance (MI) costs and competitive financing terms.  
• Area Median Income (AMI) Lookup Tool to determine income eligibility for the HomeReady mortgage program - use Fannie Mae’s income eligibility lookup tool here

Option 2 - FHA Loans

• Ideal for homebuyers with low credit scores
• Low down-payment options available for qualified buyers.
• 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. 
• Eligible buyers may qualify with no cash down.
• Benefits include no Private Mortgage Insurance (PMI) and competitive financing terms. 

Option 4 - Conventional Loans

• Ideal for buyers with good credit and stable income. 
• Gift funds allowed for down payment. 
• Low down-payment options available for qualified buyers.
• Benefits include predictable payment structure, and flexible terms. 

Option 5 - Jumbo loans

• Best for buyers purchasing higher-value properties above conforming loan limits. 
• Typical higher down-payment requirements may apply.
• 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-term structure.  
• 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 request a rate consultation. 

Option 8 - USDA Loans

• Best for buyers in rural and suburban areas. 
• Qualified buyers may have no down-payment options available.

• Please complete our quick form here to request a rate consultation .

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 requirements vary based on borrower qualifications and program guidelines.
• Benefits include quality properties based on rental income (investment properties only), may allow alternative documentation in place of traditional income verification, subject to guidelines.  
• Please reach out to me to request a rate consultation. 

Option 10 - Bank Statements Loans

• Best for self-employed borrowers or business owners with a minimum of 2 years of self-employment record. 
• Borrower contribution requirements vary based on program guidelines.  
• Benefits: Use 12 - 24 months of bank statement to verify income, certain programs allow alternative income documentation, subject to lender requirements. 
• Use personal or business bank statements.
• Please reach out to me to request a rate consultation.  

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 to request a rate consultation. 

Option 12 - Foreign National

• Some programs may allow alternative credit evaluation, subject to program guidelines.
• CPA letter covering last 2-year and Year-To-Date.
• 1 bank reference letter. 
• Overseas assets allowed as reserves. 
• Gift funds allowed. 
• Minimum borrower contribution requirements may apply, depending on program guidelines.
• Please reach out to request a rate consultation.  

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.  

All financing is subject to credit approval, underwriting guidelines, and property eligibility. Individual results may vary. Programs, terms, and availability are subject to change without notice.