Loan Programs

General FHA Loans Program 

Credit Score: 500+

Down Payment: There is no minimum down payment required under certain conditions (Credit Score 500-560 10% Down Credit Score 560+ 3.5%)

Loan Options:

Primary Home Residence

Refinance Options

Fixed Rate Loan

Adjustable Rate Mortgage (ARM)

Energy Efficient Mortgage

Home Equity Loans

Streamlines

Graduated Payment Mortgage

Special Programs for: Law Enforcement, Teachers, Firefighters, Emergency Medical Technicians (EMT)

and More.

General Conventional Loan Program

FICO Score: 620+

Minimum Down Payment: 3% down payment solution for first-time homebuyers.

Conventional 1% Down Program

0% Down Purchase Program

Second Home Purchase 5%

Eligible Properties: 

Primary, second, and investment properties

Manufactured Homes

Adjustable Rate Program (ARM)

Fixed Rate Programs

Jumbo Loans

Low Down Payment Conventional Options

Renovation Loans

and More.

General Eligibility Requirements

Active Duty Service: A Veteran is eligible for VA home loan benefits if they served on active duty in the Army, Navy, Air Force, Marine Corps, or Coast Guard.

Discharged Veterans: The DD214 Form, Certificate of Release or Discharge from Active Duty

Surviving Spouses

Current Reserve/Guard Members

Down Payment 0%

Funding Fee: First Time Homebuyer 2.3% Subsequent 3.3%

Funding Fee Waived: Awarded Purple Heart, Service-Connected Disabilities, Surviving Spouses.

Eligible Properties

Single Family Home

Condo

Manufactured Home

Building a New Home (Construction)

Refinancing

Cash Out

Energy Efficient Homes

And More.

General USDA Loan Program

Credit Score: 620+

Under 620 Might Be Able To Qualify Under Conditions.

ZERO Down Payment

Funding Fee : 1%

Property Location: Needs To Qualify (The property must be located in an eligible area validated on the USDA eligibility website)

Eligible Properties:

Primary Residence

Single Family Homes

Manufactured Properties

And More.

Click To Apply 

General Adjustable Rate Mortgage Program

Credit Score Requirements:

• Minimum: 580+
• Conventional ARM: 620
• FHA ARM: 580
• VA ARM: No requirements

Minimum Down Payment: 3% - 5%

An Adjustable Rate Mortgage (ARM) typically features an initial lower monthly payment, which increases over time.

Buy-down Options: 3-2-1, 2-1, 1-1, and 1-0 tiers

Eligible Properties:

Primary Residence 

Second Home Properties

 Investment Properties

Purchase

Rate/Term Refinance

Cash-Out Refinance Options

Jumbo Loans

and More

Click To Apply

General Jumbo Mortgage Program

Minimum Credit Score: 680

Average Credit Score: 700 or higher

Minimum Down Payment: 3% to 5%

Average Down Payment: 10%

Jumbo loans are generally utilized for home purchases that exceed the conforming loan limit, which for 2024 is set at $766,550.

Eligible Properties:

Single Family Home Outside Conforming Limit

Vacation Properties

Investment Properties

Primary & Secondary Properties

Cash-out refinances

Rate/Term Refinances

And More

Click To Apply