Loan Programs

No matter your situation, there's a path to homeownership. Here are the programs I specialize in.

FHA Loans

Perfect for first-time buyers with limited savings.

✓ As low as 3.5% down payment
✓ Credit scores as low as 580
✓ Flexible debt-to-income ratios
✓ Gift funds accepted for down payment

VA Loans

Exclusive benefits for veterans and active military.

✓ 0% down payment required
✓ No private mortgage insurance (PMI)
✓ Competitive interest rates
✓ More lenient credit requirements

USDA Loans

0% down for homes in eligible rural and suburban areas.

✓ 100% financing (0% down)
✓ Low mortgage insurance costs
✓ Available in many suburban areas
✓ Income limits apply

Down Payment Assistance

Programs to help cover your down payment and closing costs.

✓ Grants (no repayment required)
✓ Forgivable second mortgages
✓ State and local programs
✓ Can be combined with FHA, VA, or conventional loans

Conventional Loans

Flexible options with competitive rates for qualified buyers.

✓ As low as 3% down for first-time buyers
✓ PMI can be removed at 20% equity
✓ Higher loan limits than FHA
✓ Best rates for strong credit

DSCR Loans (Investors)

For real estate investors purchasing rental properties.

✓ Qualify based on rental income, not personal income
✓ No tax returns required
✓ Purchase or refinance
✓ Multiple properties allowed

Bank Statement Loans

Perfect for self-employed borrowers.

✓ Use bank statements instead of tax returns
✓ 12 or 24-month bank statements
✓ Higher income calculations
✓ Ideal for business owners

Manufactured Home Loans

Financing options for manufactured housing.

✓ FHA and conventional options available
✓ Low down payments
✓ Competitive rates
✓ Must meet HUD standards

Not Sure Which Program Is Right for You?

Let's talk! I'll review your situation and find the best fit.

Schedule Free Consultation