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Residential Loan Programs

We connect buyers with a complete range of financing options designed for purchase, equity access, and refinancing.

Conventional Home Loans

Conventional financing options feature standard underwriting limits set by Fannie Mae and Freddie Mac. These loans are highly popular and offer great terms for clients with strong credit scores and manageable debt ratios.

  • Fixed-rate options ranging from 10 to 30 years
  • Down payments as low as 3% for qualified first-time buyers
  • Eliminate Private Mortgage Insurance (PMI) after reaching 20% equity
Check Conventional Rates

FHA & VA Financing Solutions

Government-backed mortgage loans make home buying accessible. Federal Housing Administration (FHA) options permit lower credit scores and low down payments. Veterans Affairs (VA) loans offer military veterans and active duty service members 100% financing options with no PMI requirements.

  • FHA: Down payments from 3.5% with flexible credit scores
  • VA: 0% down payment paths for active duty, veterans, and military spouses
  • Easier loan approval criteria than standard conventional loans
Check Government Programs

USDA Rural & Jumbo Financing

USDA loans provide up to 100% financing for properties situated in eligible rural zones. For higher-priced home buyers, Jumbo financing paths cover values exceeding standard conforming loan limits with competitive fixed or adjustable terms.

  • USDA: Zero down payment financing for eligible rural locations
  • Jumbo: High-balance loans for premium and custom home values
  • Custom underwriting options matched to high-net-worth scenarios
Check Specialized Programs

Self-Employed & Bank Statement Loans

Designed for self-employed individuals, business owners, and real estate investors who may not qualify using standard W-2 records. Verify income using 12 or 24 months of bank statements to explore favorable residential funding options.

  • No W-2 or traditional tax returns required for verification
  • Ideal for entrepreneurs, freelancers, and small business operators
  • Favorable interest rates based on cash flow and deposits
Check Non-QM Options