MORTGAGE
PRODUCTS
Find a loan that best suits YOU.
Borrow up to 97% as a first time homebuyer, or up to 95% as a repeat buyer. These loans are designed for the best credit applicants (over 700 FICO) and are borrowing less than the conforming loan limit of $726,200. Guidelines are from Fannie Mae or Freddie Mac.
2 / GOVERNMENT LOANS
FHA - Loans up to 96.5%, great for lower credit applicants (over 580 FICO) and low down payment. 1-4 unit properties are eligible.
VA - 100% financing and no PMI, strictly for eligible veterans. This product has no loan limit and is eligible for 1-4 unit homes
USDA - 100% financing on eligible single family rural housing, see link: USDA Eligibility Map
3 / JUMBO LOANS
Loans that are over the conforming loan limit of $726,200 require a JUMBO lender. These loans typically require 15%-20% down and have stricter underwriting guidelines.
4 / RENOVATION LOANS
We can help you finance small or large renovation for a home that you own or one that you are buying.
5 / ONE-TIME CLOSE CONSTRUCTION
Use this loan to build a new home as a primary residence or second home. We can finance the construction of the home AND the permanent financing.
Book a Smart Start Meeting
In our initial loan consultation, we will go through your options for what loan products are available to you and decide what would be the best fit!