Conventional Loan

Conventional loans are a popular choice for borrowers with strong credit histories, offering competitive interest rates and a variety of term options. They require a higher down payment compared to government-backed loans but provide more flexibility with fewer restrictions. Ideal for those looking to purchase a primary home, second home, or investment property, conventional loans can also be used for refinancing at potentially lower rates.

FHA Loan

FHA loans are designed to help first-time homebuyers and those with lower credit scores secure financing. These loans, backed by the Federal Housing Administration, offer low down payments, flexible income requirements, and are forgiving of past credit issues. They are an excellent option for buyers who might not qualify for a conventional loan and need a little extra support in the home buying process.

VA Loan

VA loans are a powerful benefit for veterans, active-duty service members, and certain members of the National Guard and Reserves. These loans require no down payment, do not demand private mortgage insurance, and offer competitive interest rates. VA loans are focused on helping our nation's military personnel obtain homeownership with minimal financial burden.

USDA Loan

USDA loans are targeted at homebuyers in rural and certain suburban areas, offering 100% financing, reduced mortgage insurance premiums, and below-market mortgage rates. These loans are intended to promote prosperity in less densely populated areas, helping low to moderate-income families purchase, renovate, or build homes with no down payment required.

Hard Money Loan

Hard money loans are primarily used in real estate investing and are secured by the property itself, rather than the borrower's creditworthiness. These loans are typically short-term and funded by private investors or companies. Ideal for "fix and flip" projects, or when traditional financing is not an option, hard money loans provide quick access to capital, though often at higher interest rates.

Bank Statement Loan

Bank statement loans are an excellent solution for self-employed individuals or those with non-traditional income streams who may not qualify for conventional financing. These loans utilize personal or business bank statements to verify income instead of tax returns. They offer considerable flexibility and can be tailored to meet the unique financial situations of entrepreneurs and freelancers.

ITIN Loans

ITIN loans cater to non-U.S. citizens who do not have a Social Security number but do have an Individual Tax Identification Number (ITIN). These loans are useful for foreign nationals residing in the U.S. who are looking to buy a home. While typically requiring a higher down payment, ITIN loans are a valuable resource for building credit and establishing roots in the community.

1099 Loan

1099 loans are specifically designed for contractors or gig economy workers who receive 1099 forms instead of traditional W-2s. These loans consider the borrower's whole financial picture, often requiring detailed financial records and profit and loss statements to establish a consistent income. They provide an opportunity for non-W2 workers to achieve homeownership or invest in property.

Profit and Loss Loan

Profit and loss loans are tailored for borrowers who can demonstrate their income through detailed profit and loss statements, usually prepared by a certified accountant. These loans are ideal for self-employed individuals with variable income patterns. They offer flexibility in lending criteria, focusing on the profitability and sustainability of the borrower’s business to secure loan approval.