Construction Loans

Our fast and simple loan process reduces closing costs paid out of pocket.

• Multiple loan products available to customize your financing
• One-time closing eliminates redundant fees
• Certificate of Occupancy not needed on conventional loans

Conventional Loans

Conventional loans use the Fannie Mae or Freddie Mac guidelines for approval and are the lowest cost option, in most cases.

• Minimum credit score of 620
• Reduced cost mortgage insurance available
• Close in 10 days

Bank Statement Loans

If you are self-employed, gathering income documents or tax transcripts for a mortgage application can be a real hassle. That’s why we offer Bank Statement Loans – where you can simply provide bank statements to qualify for loans up to $3.5M.

• Minimum credit score of 620
• No mortgage insurance required
• Available on primary, second home and investment properties

DSCR Loans

We have a quick and easy way to purchase more investment properties. Our Debt-Service Coverage Ratio (DSCR) loan allows you to qualify for investment properties based on the prospective monthly rental income.

• Finance up to 20 properties
• Loan amounts up to $2M
• Eligible for short-term and long-term rentals

FHA Loans

FHA loans are great for buyers with lower down payments and are sometimes easier to qualify for than a conventional loan.

• Credit scores starting at 580
• Purchase a home with as little as 3.5% down
• Sellers may contribute up to 6% toward your closing fees

HELOC

Get the money you need by tapping into your home’s equity. These flexible funds can be used for anything.

• Home improvements
• College tuition
• Paying off debt

Jumbo Loans

We offer a wider variety of jumbo loan products than most banks and retail lenders.

• Competitive rates rates loans up to $3.5M
• Quick closings to meet purchase deadlines
• A fast, worry-free process

USDA Loans

Purchase a rural home with no money down.

• 100% financing – no down payment
• Seller credits may help pay for closing fees
• Potentially roll closing fees into your monthly payment

VA Loans

VA loans are backed by the federal government. The VA sets the rules for loan qualification, arranges the terms under which mortgages may be offered, and guarantees any loan made under this program.

• No down payment
• Less than perfect credit is OK
• No mortgage insurance