For HELOC (Home Equity Line of Credit) product options, see our Advice for HELOC shoppers page. Otherwise see below for a summary list of our products. Contact us for more information or to inquire about mortgage loan products that are not on this list.
PURCHASE
- Conventional loans (3% or 5% min. down payment)
- V.A. loans (Veterans Affairs, 0% min. down payment)
- USDA loans (0% min. down payment)
- FHA loans (3.5% min. down payment)
- Jumbo and high-balance (above conforming loan limits)
- First-time homebuyer (not owned a home in past 3 years)
- No credit score (manual underwriting)
- New construction loans
- Newly graduated doctors/professionals (0% min. down payment)
- Self-employed (flexible income documentation)
- Non-citizens and non-permanent residents
REFINANCE
- Rate or term reduction
- Cash-out refinance
- Debt consolidation
- RefiNow & Refi Possible (low/moderate income)
- V.A. IRRRL (Interest Rate Reduction Refinance Loan)
- FHA Streamlined Refinance
- HELOC (Home Equity Line of Credit)
SPECIALTY PROGRAMS
- Adjustable-rate loan options (and hybrid… fixed for X-years, then adjustable)
- Customize your term length (from 8 to 30 years)
- FHA Home Equity Conversion Loan (“reverse mortgage”, for purchase or refinance for seniors)
- ITIN loans (individuals without a Social Security Number)
- Bank Statement Loans for self-employed individuals (using cash flow to qualify rather than tax returns)
- DSCR loans for investors (using expected property cash-flow to qualify rather than personal income)
- We can also assist in arranging private financing between a seller and buyer (seller financing), or streamlining the purchase process for FSBO’s (for sale by owner)
