For borrowers with excellent credit, conforming loans are advantageous due to their low interest rates. We offer a variety of conforming mortgage loan products. 
Highlights:
- No upfront mortgage insurance
- No mortgage insurance with 20% down payment or lender paid mortgage insurance
- Competitive interest rates
- Minimum credit score of 620
- Primary, secondary or investment properties
- National loan limit of $715,000
- Underwritten in-house
Contact us to discuss your financing requirements.
FHA is a government agency that was created in 1934 to help facilitate growth in loan opportunities, by allowing an alternative to purchase a home with as little as 3.5% down payment and less than perfect credit.
Highlights:
- As little as 3.5% down payment- funds can be a gift from a family member
- Less than perfect credit score
- Flexible debt to income ratios
- Seller contribution to closing cost is allowed
- Minimum credit score 580
- Underwritten in-house
Contact us to discuss your financing requirements.
Our Jumbo loan products are designed for loan amounts up to 3.5MM.
Highlights: 
- Maximum Loan Amount: $3.5MM
- Maximum Loan-to-Value (LTV): 90%
- Primary Residence, Investment Properties and Second Home are eligible
- 15, 20, and 30 year Fixed Rate options
- 3/1 and 5/1 Arm Available
- Interest Only Option Available
- Underwritten in-house
Contact us to discuss your financing requirements.
Purchase or refinance option for any renovation project such as design updates or improvements, and even renovating accessory units like in-law suites or basement apartments.
Highlights: 
- Up to 97% Loan to Value
- For Purchase: Limited to 75%* of the lesser of the purchase price plus renovation costs, or the “as-completed” appraised value
- For Refinance: Limited to 75% of the “as-completed” appraised value.
- Can be used on ANY project
- Can finance accessory units (e.g. in-law suites, basement apartments, etc.)
- Applicable to manufactured homes
- Allows upfront draws
- Underwritten in-house
Contact us to discuss your financing requirements.
In 1944 the US government created a military loan guarantee program to help qualified service member’s purchase a home.
Highlights: 
- Zero down payment
- No mortgage insurance
- Competitive interest rates
- Easy qualification criteria
- We are a veteran owned company (USMC)
- Underwritten in-house
Contact us to discuss your financing requirements.
Also known as Hard Money or Hard Equity Loans. Approval is based on property instead of credit
Highlights: 
- Fast approval process
- Approval based on property, not credit history
- More flexible
- The opportunity to fix and flip properties
- Can close in the name of a corporation
- Underwritten in-house
Contact us to discuss your financing requirements.
A Reverse Mortgage works like an annuity and can help you tap into the equity and enjoy a better quality of life through retirement.
Highlights: 
- Take out your equity now
- Eliminate mortgage payments
- Competitive interest rates
- 62 years or older
- Receive funds in a lump sum, credit line or monthly payments for life
- Underwritten in-house
Contact us to discuss your financing requirements.
Home Equity Loans
Highlights: 
Stand-Alone Second Liens and Piggybacks
Fixed rate terms: 5, 10 ,15, 20, 25 & 30 years
Minimum Loan amount $50,000
Maximum Loan Amount $500,000
Owner-Occupied | Second Homes | Investment Properties
Prime Rate as published in the WSJ on the 1st of the month
Single Family |PUDs |Modular homes (as defined by Fannie Mae) Condominiums
A home equity line of credit, or HELOC, is a type of loan that allows you to draw funds as you need them and repay the money at a variable interest rate. Because of this, HELOCs are generally best for people who need funds for ongoing home improvement projects or who need more time to pay down existing debt. HELOCs typically have lower interest rates than home equity loans and personal loans.
30-year variable term (Index plus a margin)
10-year interest only draw period with a 20-year fully amortizing repayment period
Minimum Line amount $50,000
Maximum Line Amount $500,000
Owner-Occupied & Second Homes
Prime Rate as published in the WSJ on the 1st of the month
Single Family |PUDs |Modular homes (as defined by Fannie Mae) Condominiums