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Loan Programs We Offer
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Conventional Loans →
Conventional mortgages are a popular choice for homebuyers with strong credit and available funds for a down payment. These loans include fixed-rate, adjustable-rate, and jumbo options, typically requiring between 3% and 20% down. Conventional financing allows buyers to build immediate equity in their home. This program also supports second homes and investment properties.
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FHA Home Loans →
Our FHA loan program is a great option for homebuyers who need flexible qualification guidelines or have limited buying power. FHA-insured loans are designed to help first-time buyers and those who may not have perfect credit.
This program is also ideal for buyers who don’t have a large down payment but still want an affordable path to homeownership.
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VA Loans →
VA home loans offer favorable terms and competitive interest rates for eligible military personnel and veterans.
These loans are designed to support the home financing needs of active-duty service members, veterans, and their families by making homeownership more accessible and affordable.
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USDA Loans →
USDA loans provide affordable, government-backed financing for income-eligible homebuyers in designated rural areas. This program offers up to 100% financing, making it possible to purchase a home with no down payment.
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Mortgage Refinancing Options →
Refinancing your home can be a smart financial move, especially when interest rates are low. This is a great time to evaluate the potential savings and benefits of refinancing your current mortgage - whether it’s to lower your payment, shorten your loan term, or access equity.
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FHA and VA Streamline Refinance →
FHA and VA streamline refinances offer one of the simplest and fastest ways to lower your rate or improve your loan terms. Eligible FHA and VA homeowners can often refinance without providing income documentation and, in many cases, without needing a full home appraisal.
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This program is designed to make refinancing quick, efficient, and hassle-free.
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DSCR Loans (Debt Service Coverage Ratio)
DSCR loans are designed specifically for real estate investors who want to qualify based on the property’s income, not their personal income. These programs allow investors to qualify using the rental cash flow of the home, making financing faster, simpler, and more flexible than traditional mortgages.
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With a DSCR loan, approval is based on whether the rental income can cover the monthly mortgage payment. This makes it an ideal option for investors building rental portfolios, self-employed buyers, or anyone who wants to avoid income documentation.
DSCR loans offer competitive terms, the ability to close under LLCs, and options for long-term or short-term rental properties. This program is built to help investors scale quickly and confidently.