OUR MORTGAGE SOLUTIONS

A fixed-rate mortgage offers stable monthly payments throughout the loan term, providing predictability and security against interest rate fluctuations. It is suitable for borrowers planning to stay in their homes long-term and prefer consistent payments.

• Predictable monthly payments.
• Protection against rising interest rates.
• Ideal for long-term homeownership and financial stability.

An adjustable-rate mortgage initially offers lower interest rates compared to fixed-rate loans, but the rate can adjust periodically based on market conditions. It is suitable for borrowers expecting to move or refinance within a few years, or those who anticipate interest rates to decrease.

• Lower initial interest rates.
• Potential for lower monthly payments in the short term.
• Flexibility for short-term homeowners or refinancers.

Conventional loans are not insured by the government and typically require higher credit scores and down payments than government-backed loans. They are suitable for borrowers with good credit scores and stable incomes looking for flexible loan terms and competitive rates.

• Flexible loan terms.
• Competitive interest rates.
• Ideal for borrowers with good credit and stable income.

FHA loans are insured by the Federal Housing Administration, offering low down payment options and more flexible qualification criteria. They are suitable for first-time homebuyers or those with limited savings for a down payment.

• Low down payment requirements.
• Flexible qualification criteria.
• Ideal for first-time homebuyers or those with limited savings.

VA loans are guaranteed by the U.S. Department of Veterans Affairs and offer benefits such as no down payment requirements and competitive interest rates. They are suitable for eligible veterans, active-duty service members, and certain spouses looking to buy a home with favorable terms.

• No down payment required (for eligible borrowers).
• Competitive interest rates.
• Benefits for veterans and active-duty service members.

USDA loans are backed by the U.S. Department of Agriculture and are designed to promote homeownership in rural and suburban areas by offering 100% financing. They are suitable for low to moderate-income borrowers purchasing homes in eligible rural areas.

• 100% financing available.
• Low mortgage insurance premiums.
• Designed for properties in eligible rural areas.

Jumbo loans exceed the conforming loan limits set by Fannie Mae and Freddie Mac, making them suitable for high-cost areas or financing expensive properties. They are suitable for borrowers purchasing high-value homes that exceed conventional loan limits.

• Financing for high-value properties.
• Flexibility in loan amounts.
• Competitive rates and terms for luxury homes.

A HELOC allows homeowners to borrow against the equity in their homes with a revolving credit line, making it ideal for ongoing expenses or major one-time expenses. It is suitable for homeowners needing flexible access to funds based on home equity.

• Flexible access to funds.
• Revolving credit line.
• Interest-only payment options available.

These programs provide financial assistance to help homebuyers cover down payment and closing costs, making homeownership more accessible. They are suitable for first-time homebuyers or those with limited funds for upfront costs.

• Financial assistance for down payment.
• Reduced upfront costs.
• Options tailored to first-time buyers.

Bank statement loans use bank statements to verify income instead of traditional documentation, accommodating self-employed borrowers with fluctuating income. They are suitable for self-employed individuals with non-traditional income sources.

• Flexibility in income verification.
• Designed for self-employed borrowers.
• Options for those with varying income streams.

DSCR loans evaluate the property’s income potential rather than the borrower’s personal income, making them suitable for real estate investors. They are suitable for investors purchasing rental properties or commercial real estate.

• Evaluation based on property income.
• Ideal for rental property investors.
• Tailored financing for income-generating properties.

ITIN loans are designed for borrowers without a Social Security Number but with an Individual Taxpayer Identification Number, offering homeownership opportunities. They are suitable for non-citizen residents or foreign nationals looking to buy a home in the U.S.

• Designed for non-citizens.
• Uses an ITIN instead of an SSN.
• Options for foreign nationals seeking homeownership.

Commercial loans finance properties used for business purposes, such as office buildings, retail spaces, or industrial facilities, with specific terms and conditions. They are suitable for business owners or investors purchasing or refinancing commercial real estate.

• Financing for business properties.
• Tailored terms for commercial use.
• Options for property investors and business owners.

Reverse mortgages allow homeowners aged 62 and older to convert home equity into cash without monthly mortgage payments, with repayment due when the borrower moves out or passes away. They are suitable for retirees seeking supplemental income or financial flexibility using home equity.

• Access to home equity without monthly payments.
• Ideal for retirees seeking financial flexibility.
• Options for using home equity in retirement.

A temporary buydown mortgage loan allows borrowers to lower their initial monthly mortgage payments for a specific period, typically 1-3 years, by paying an upfront fee. This option provides financial relief in the early years of the loan, making it easier to manage initial costs while adjusting to homeownership. Ideal for those expecting their income to increase over time or seeking lower initial payments to fit their budget.

• Lower initial monthly payments for the first few years.
• Great for borrowers expecting increased income or those needing short-term payment relief.
• Helps manage early-stage mortgage costs and budget better.