Skip to content 
We Offer All Types oF HOME LOANS FROM CONVENTIONAL, FHA, VA, CONSTRUCTION, AND RENOVATION FOR PURCHASE OR REFINANCE
conventional VS FHA mortgage
WE HAVE ALL TYPES OF LOANS HERE ARE A FEW OF THE LOANS WE OFFER. IF YOU ARE LOOKING FOR ANOTHER TYPE OF LOAN JUST REACH OUT AND ASK US, WE PROBABLY HAVE IT.
different mortgage loan types
CONVENTIONAL HOME LOAN
A fixed-rate mortgage loan has a constant interest rate for the entire term of the loan. Typically 15, 20, or 30 years. This means your monthly payments remain the same, offering stability and predictable home loan financing. You could benefit from competitive rates and flexible terms with our conventional mortgage options tailored to your financial situatiion.
FHA HOME LOAN
Backed by the Federal Housing Administration, FHA home mortgage loans are designed for borrowers who may have lower credit scores, but can still benefit from a low down payment. Take advantage of financing with flexible qualification requirements, ideal for first-time homebuyers and those with less than perfect credit.
VA MORTGAGE LOAN
VA home loan financing is an exclusive home loan for veterans, active-duty service members, and eligible family members, VA mortgage loans are backed by the U.S. Department of Veterans Affairs. They often require no down payment and offer the most competitive home mortgage loans interest rates.
USDA HOME LOAN
USDA home mortgage loans are backed by the U.S. Department of Agriculture and are designed for rural and suburban homebuyers. USDA home loans often require no down payment financing making homeownership more accessible than ever before.
JUMBO MORTGAGE LOANS
A jumbo mortgage loan exceeds the conforming loan limits set by the Federal Housing Finance Agency. These home mortgage loans are used for luxury properties with high dollar purchase prices. Secure financing for your dream home with one of our jumbo mortgage loan programs that gives you loan amounts over the conventional limits.
REVERSE MORTGAGE
Reverse home loan financing is designed for homeowners aged 62 and older, a reverse mortgage loan allows you to convert part of your home equity into cash. Instead of making monthly payments, the reverse home mortgage loans are repaid when the homeowner moves out or passes away. Reverse Mortgages are backed by the Federal housing authority and offer great options for seniors with fixed or lower income.
DSCR HOME LOAN
A DSCR is a type of home loan financing that is primarily used by real estate investors. It measures a property’s cash flow against its debt obligations. Lenders use the DSCR to assess the borrower’s ability to generate enough income to cover the mortgage loan payments. These are a new type of home mortgage loans for investors and offer flexibility and easy to qualify loan for investors.
BRIDGE HOME LOAN
A bridge home mortgage loan is a short-term financing option used until a borrower secures permanent home loan financing or removes an existing obligation. It provides immediate cash flow and is typically used in real estate to bridge the gap between the sale of one property and payoff of a home mortgage loans, and the purchase of another. If you have found your dream home but havent sold your exisiting home this home loan is for you.
HELOC MORTGAGE LOAN
HELOC home mortgage loans are a revolving line of credit secured by your home’s equity. This type pf home loan financing allows you to borrow funds as needed up to a predetermined limit, similar to a credit card. HELOCs typically have variable interest rates and offer flexibility, making them useful for ongoing expenses or home renovations. Borrowers only pay interest on the amount they draw, and the repayment period often follows an initial draw period.
ONE TIME CLOSE CONSTRUCTION or RENTOVATION HOME LOANS
Construction home mortgage loans are designed to cover the costs of building a new home or buying and renovating a home. The loan combines the construction financing and permanent mortgage into a single loan, eliminating the need for multiple closings and additional fees. During the construction phase, you typically make interest-only payments, and once the home is completed, the loan automatically converts to a standard mortgage with regular monthly payments. Renovation loans give you the flexibiity to purchase and finance in renovation cost for that cute house with the ugly kitchen.
REFINANCE HOME LOAN
Refinance home mortgage loans involves replacing your existing home loan financing with a new mortgage loan, often to take advantage of lower interest rates, reduce monthly payments, or change the loan term. Homeowners may also refinance to access their home’s equity for cash, known as a cash-out refinance. This process can help improve financial flexibility and potentially save money over the life of the loan. Refinancing can also be used to take cash out of your home to help pay for large expenses, or renovations.
CONDOTELL MORTGAGE
Home loan financing of a Condotel is a home mortgage loan specifically designed for purchasing units in a condominium hotel, or “condotel.” These properties operate as resorts, offering short-term rentals with amenities like front desk services and housekeeping. Financing a condotel can be more complex than a traditional home loan due to the unique nature of the property, often requiring higher down payments and interest rates.
Home > Mortgage Rates > Payment Calculator > Loan Programs > Credit Info > Home Buyer Seminar
