C.I.F.I

A traditional mortgage backed by private lenders and conforming to Fannie Mae/Freddie Mac guidelines.

• Down payments as low as 3%
• Flexible terms: 10–30 years, fixed or adjustable
• PMI required only if down payment < 20% (cancellable later)
• Ideal for strong credit & stable income

Perfect for primary residences, second homes, or investment properties.

Government-insured loans designed for first-time buyers and those with lower credit or savings.

• As little as 3.5% down (580+ credit)
• More forgiving credit history accepted
• Upfront & annual mortgage insurance required
• Great for buyers needing flexibility

Exclusive benefit for veterans, active-duty service members, and eligible spouses.

• 0% down payment
• No private mortgage insurance
• Competitive rates & flexible credit guidelines
• Funding fee can be financed

Thank you for your service — we’re proud to help.

For luxury homes exceeding conforming loan limits ($806,500+ in most areas in 2025).

• Higher loan amounts with strong credit
• Typically 10–20%+ down required
• Excellent rates for qualified borrowers

Perfect for self-employed, freelancers, and business owners.

• Qualify using 12–24 months of bank deposits
• No tax returns or W-2s needed
• Great for 1099 income or cash-heavy businesses

Low-to-moderate income buyers — only 3% down!

• Income from roommates/boarders can count
• Gifts & grants allowed for down payment
• Reduced PMI & cancellable at 20% equity

Another excellent 3% down option for limited-income buyers.

• Flexible income sources accepted
• Reduced mortgage insurance
• Available for 1–4 unit properties

Remodel, repair, or upgrade your home — even with little equity.

• FHA Title I loans up to $25,000
• No appraisal required in many cases
• Fixed rates, up to 20-year terms
• Perfect for kitchens, roofs, accessibility upgrades