Our New Construction Programs is a one-close construction loan:

• 70% LTV with no requalification required post-construction
• 90% LTV option with requalification required post-construction
• Simple and flexible draw process with no set schedules

Conforming mortgages are ideal for borrowers with good or excellent credit. The maximum Conforming Loan amount in 2020 is $510,400. They follow fairly conservative guidelines for:

• Borrower credit scores – min 620.
• Minimum down payments of 3%.
• Debt-to-income ratios under 50%.

FHA mortgages have flexible lending standards to benefit up tp $529,000:

• Minimum Down Payment of 3.5%.
•  Minimum score of 620.
• Homebuyers with small down payments and refinancers with little equity.

Jumbo mortgages are home loans that exceed conforming loan limits of $548,250 for 2021. A jumbo loan is one way to buy a high-priced or luxury home:

• Credit scores as low as 680 may qualify
• Buy a home with as little as 10% down payment
• Loan amounts up to $5,000,000

Our renovation remodeling loans allow you to roll the costs of repairs or upgrades. Benefits include:

• One Loan: The loan covers the purchase plus renovation costs
• Renovation work can begin immediately
• Simplicity: Just one application, one closing, and one monthly payment

Because the VA guarantees a portion of your loan, you won’t need to pay mortgage insurance:

• Credit scores as low as 620 may qualify
• Buy a home with as little as $0 down
• Certificate of Eligibility
• VA loans were designed to offset common financial challenges faced by military families and veterans.

Thinking of buying an additional property for a new source of income? That would be considered an investment home with long or short terms rentals:

• Minimum down payment of 15%
• Minimum credit score 700
• Debt to income ratio under 43%