Loan Products
Home Purchases & Refinances
- Fixed Rate Mortgage: The “Predictable is Beautiful” Loan
Your rate and your monthly payment stay the same, year after year. No surprises, no drama.
- Adjustable-Rate Mortgage (ARM): The “Low Upfront, Ride the Rate Later” Loan
Start with a lower interest rate (and lower payments) but be ready for it to adjust over time.
- Jumbo Mortgage: The “Big Dreams, Big Cities, Big Loans” Loan
Need a pricier place? Jumbo loans cover homes above standard limits, often with stricter credit requirements.
Government Backed Loans
- FHA Loan: The “Still Building My Credit” Loan
Easier credit qualifications and smaller down payments — perfect if you’re not rocking a perfect score yet.
- VA Loan: The “Thank You for Your Service” Loan
Zero down payment required, no mortgage insurance necessary, and great rates (for eligible veterans, active-duty service members, and surviving spouses).
- USDA Loan: The “Country Roads, Take Me Home” Loan
Low-to-no down payment loans for homes in eligible rural and suburban areas.
Other Specialty Loans
- Bank Statement Loan: The “Self-Employed Superstar” Loan
No traditional W-2s? No problem. Use your bank statements to show you’re good for it.
- DSCR Loan: The “Let the Property Pay for Itself” Loan
This one’s all about the property’s income, not yours. Perfect for real estate investors who want the rental’s cash flow to do the talking.
- Construction Loan: The “Ultimate DIY-er” Loan
Building from the ground up? This short-term loan covers the cost of construction — turning blueprints into your future front porch.
- Renovation Loan: The “Fixer-Upper Glow-Up” Loan
Love the location but not the layout? This loan helps you renovate a new home you’re buying (or one you currently own).
- Investment Loan: The “Keys to Cash Flow” Loan
This loan is for buying rental properties and building wealth, because passive income sounds pretty great.
Special Programs
- State or Local Housing Agencies: The “Homegrown Help” Program
Backed by your county or state, these programs are designed for first-time buyers, everyday heroes like teachers and first responders, and folks with modest incomes. Local love, big support.
- Special Purpose Credit Programs: The “Community Boost” Program
Offered by private lenders to support low- to middle-income borrowers in specific neighborhoods. Tailored lending that helps build stronger, more inclusive communities.
- First-Time Homebuyer Programs: The “Starting Strong” Loan
Special perks like lower down payments and grants to help you get the keys to your first place.