Loan Programs We Provide
Standard Home Loan Programs
Conventional Mortgage
This is a mortgage product that is intended for home buyers who meet the standards for government sponsored enterprises. One major minimum standard is having a credit score of 620 or above.
Federal Housing Administration (FHA) Mortgage
This is a mortgage product that is intended for home buyers who meet the standards the Federal Housing Administration. This is a mortgage that backed the government. This allows there to be less strict requirements as opposed to Conventional Mortgages. The credit score requirements can go down to as low as 500.
Veteran Affairs (VA) Mortgage
This mortgage product is intended for individuals (including spouses) who have a background of military service. This mortgage is backed by the Department of Veteran Affairs, where the VA guaranties certain features to lenders.
Non - Traditional Home Loan Programs
12-24 Month Bank Statement Loan Program
This program is a non-traditional mortgage product is intended for individuals who do not show sufficient income on personal tax returns due to business related activities.
DSCR – Rental Income Loan Program
This program is a non-traditional product that intended for investors. Here you qualify based off the rental income of the home, not personal income.
