Loan Options

FIXED RATE

The traditional fixed rate mortgage is the most common type of loan, where monthly principal and interest payments will not change during the life of the loan. READ MORE

ADJUSTABLE RATE MORTGAGE

Adjustable Rate Mortgages (ARM)s are loans whose interest rate can change during the loan's term. These loans usually have a fixed interest rate for an initial period and then can adjust...READ MORE

FHA HOME LOANS

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment. READ MORE

JUMBO LOANS

A jumbo loan is a mortgage that exceeds the maximum amount for a conforming loan as determined by the Federal Housing Finance Agency (FHFA). Homes that exceed the local conforming loan limit require a jumbo loan. READ MORE

VA LOANS

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans low interest rates and no down payment. READ MORE

USDA LOANS

The U.S. Department of Agriculture home loans program offers mortgages to low-income residents of rural areas who cannot otherwise obtain a conventional mortgage. READ MORE

DEBT SERVICE COVERAGE RATIO

Unlike a consumer or owner-occupied mortgage loan, a DSCR loan is underwritten based on property-level cash flow, rather than personal income. READ MORE

BANK STATEMENT

A bank statement loan allows self-employed borrowers to access a home loan using a bank statement instead of tax returns, W-2s, or pay stubs...READ MORE

1099 INCOME

1099 income loan is a loan product for 1099 earners who do not qualify for a full doc mortgage. This can include freelancers, independent contractors, gig workers, etc... READ MORE

PROFIT & LOSS

Rather than using tax returns, a Profit and Loss (P&L) loan allows a business owner to have a licensed tax preparer provide a 1-2 Year Statement as income... READ MORE

INTEREST ONLY

A mortgage is called “Interest Only” when its monthly payment does not include the repayment of principal for a fixed period of time. At the end of the interest only period, the loan becomes...READ MORE

OTHER LOAN TYPES