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Loan Programs & Services

Residential Mortgage Loan

Fixed or adjustable conventional & government loans with flexible credit score and loan to value options.

Home Equity Loan

A loan that uses the value of your home as collateral to borrow money. Funds can be used for any purpose.

Home Equity Line of Credit

A revolving line of credit secured by the equity in your home. Draw funds as needed over time.

Veteran Programs

Programs just for veterans, offering favorable terms and benefits guaranteed by the Department of Veterans Affairs.

1% Down Program

Loans with as little as 1% down so you can keep more cash. Income and loan amount restrictions apply.

100% FHA

This unique FHA program offers up to 100% financing of the total purchase price. ZERO money down!

Neighborhood Growth

Up to 1% rate incentives in eligible areas (compared to conventional), Available for Purchase & Refinance!

Manufactured Homes

Flexible conventional and FHA mortgage options for manufactured homes on permanent foundations.

No Income Verification

Apply now for loan programs that do not require proof of income and can qualify based on cash flow or assets.

Divorce Planning

Guidance with transitioning a mortgage to one party or the other (or selling a property) during divorce.

Investors

Flexible non-qm and conventional financing options tailored for real estate investors. 

Previous Bankruptcy

Purchase and refinance mortgage options for those with previous Chapter 7 or Chapter 13 bankruptcies.

Condotel Investments

Special loan programs to combine the ownership of a condo with the option to rent out units like a traditional hotel.

PDMDA 203(h)

Section 203(h) of the National Housing Act authorizes FHA to insure Mortgages to victims of a Presidentially-Declared Major Disaster Area (PDMDA) for the purchase of a Single Family Property.