LOAN OPTIONS

Loan Options

Conventional Loans

A conventional loan is a mortgage that is not guaranteed or insured by any government agency, including the Federal Housing Administration (FHA), Farmers Home Administration (aka, USDA) and Department of Veterans Affairs (VA).


  • 3 or 5% minimum down payment
  • Good Credit
  • No upfront fee
  • No private mortgage insurance (PMI) with 20% down
  • PMI removed at 78% LTV (primary home)

FHA Loans

An FHA loan is a mortgage issued by federally qualified lenders and insured by the Federal Housing Administration (FHA). FHA loans are designed for low-to-moderate income borrowers who are unable to make a large down payment.


  • 3.5% minimum down payment
  • Easier to Qualify, more flexible for lower credit scores
  • Monthly mortgage insurance
  • Max loan amount varies slightly by State/County
  • Upfront fee to FHA is 1.75% of loan, rolled into loan 

VA Loans

A VA loan is a mortgage loan in the United States

guaranteed by the U.S. Department of Veterans Affairs. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).


  • 0% down payment
  • Must meet VA enlistment qualifications for program
  • Upfront fee to VA is 0.00% of Loan, rolled into loan (VA waives for certain military status/disability ratings)
  • No monthly mortgage insurance

USDA Loans

A USDA loan, also known as the USDA Rural Development Guaranteed Housing Loan Program, is a mortgage loan offered to rural property owners by the United States Department of Agriculture.


  • 0% down payment
  • Property must be located in qualified area
  • Maximum household income limit is based on number of occupants (varies by State/County)
  • Upfront fee to USDA is 1.0% of loan, rolled into loan
  • Minimal monthly mortgage insurance

Jumbo Loans

Our jumbo loan program caters to properties exceeding the federal mortgage limits established by Fannie Mae and Freddie Mac. It specifically addresses the financing needs of high-value properties that surpass the average home price, resulting in stricter eligibility criteria.


  • 90% loans with as little as 10% down with no PMI
  • 30, 20, and 15-year fixed programs
  • Interest-only and ARM programs
  • Projected income with signed job offer/contract acceptable if starting within 60 days of closing (great for relocation clients)


Reverse Mortgages

The Reverse Mortgage program aims to assist homeowners aged 62 and above in converting a portion of their home equity into accessible funds. It provides a loan option specifically tailored for this demographic group.



By leveraging the Reverse Mortgage, older homeowners can tap into their accumulated home equity and receive cash payments, offering a financial resource that can enhance their retirement years.

First Time Homebuyers

There are many first-time homebuyer programs and grants available to help you afford your first real estate purchase, generally assisting with the down payment and closing costs.


  • 3.5% minimum down payment
  • Easier to Qualify, more flexible for lower credit scores
  • Monthly mortgage insurance

Other Loan Options

Don't see a loan option listed here for you? Just reach out - we likely have a solution! Here are just a few other products we commonly offer:



  • Portfolio Loans
  • Second Home Loans
  • Lot Loans
  • Construction Loans
  • And so much more!

Want some inbox love?

Join our mailing list!

Share by: