Our Core Loan Programs
Specialized financing solutions tailored to your unique financial profile.
Conventional Loans
Standard mortgage financing for purchasing or refinancing primary, secondary, and investment properties.
- Competitive interest rates for strong credit profiles
- Down payments as low as 3% for first-time buyers
- No upfront mortgage insurance premium (unlike FHA)
- Private Mortgage Insurance (PMI) drops off at 20% equity
HELOC (Home Equity Line of Credit)
Unlock your home's equity without touching your low primary mortgage rate.
- Draw funds only when you need them
- Pay interest only on the amount you draw
- Keep your current first mortgage intact
- Ideal for home renovations or debt consolidation
Reverse Mortgages (HECM)
FHA-insured loans allowing homeowners 62+ to convert equity into cash without required monthly mortgage payments.
- Eliminate required monthly mortgage payments (must pay taxes/insurance)
- Access tax-free cash or a growing line of credit
- Non-recourse loan: never owe more than the home's value
- Stay in your home and retain ownership
DSCR Investment Loans
Debt Service Coverage Ratio loans for real estate investors based on property cash flow, not personal income.
- No personal income or employment verification required
- Qualify based on the property's rental income potential
- Finance multiple investment properties simultaneously
- Close in LLC or corporate entity names
Find State-Specific Requirements
Select your state below to see local loan limits, property requirements, and available programs.
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