We Offer All Types of Home Loan Financing, Purchase and Refi Mortgage Loans

Backed by the Federal Housing Administration, FHA home mortgage loans are designed for low-to-moderate-income borrowers who may have lower credit scores. They require a lower minimum down payment compared to conventional home loan financing.

VA home loan financing is available to 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 mortgage loans are backed by the U.S. Department of Agriculture and are designed for rural and suburban homebuyers who meet certain income requirements. USDA loans often require no down payment home loan financing. 

 A jumbo mortgage loan exceeds the conforming loan limits set by the Federal Housing Finance Agency. These home mortgage loans are used as home loan financing for luxury properties and homes in highly competitive real estate markets. 

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. 

 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 is a new type of home mortgage loans for investors. 

 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. 

 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. 

 A One-Time Construction home mortgage loans are also known as a Construction-to-Permanent home loan financing and, are designed to cover the costs of building a new home. This 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. 

 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. However, it's important to consider closing costs and the time it may take to recoup these expenses through savings.

 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 hotels, 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. Lenders typically assess factors such as the property's location, rental history, and management when considering loan approval.