Loan Programs

Below is a brief description of mortgage options:

Conventional Loans

A conventional loan is any mortgage that is not guaranteed or insured by the US government, such as VA, FHA and USDA as well as Jumbo loans ….(read more)

Jumbo Mortgage

A Jumbo loan, is required for financing on a mortgage that is higher than the conforming loan limits set by Fannie Mae and Freddie Mac. …..(read more)

FHA Mortgage Loans

FHA encourages home ownership and provides affordable housing opportunities with low down payment and flexible credit requirements. …..(read more)

203k Rehab Loans

Have you found that “almost perfect” home in the right location that is selling at a reduced price because it needs a little rehab work? …..(read more)

VA Mortgage

A VA (Veterans Administration)  home loan is the preferred loan program for active, non-active, Reserve, National Guard, and retired military of the armed forces because there is no down payment needed and no private monthly mortgage insurance required …..(read more)

USDA Mortgage Loans

USDA loans offer homebuyers in rural areas the ability to buy a home with a zero down payment.

Reverse Mortgage Loans  – “HECM

reverse mortgage (Home Equity Conversion Mortgage -“HECM”) is a loan available to seniors, and is used to release the home equity in the property as one lump sum or multiple payments. The homeowner’s obligation to repay the loan is deferred until the owner dies, the home is sold or the owner leaves (e.g., into aged care).