Loan Programs

First-time homebuyers have many mortgage options, including conventional, FHA, VA, USDA, grant and down payment assistance programs. With down payments as low as 1%, these loans can be used for single-family homes, condos, townhomes, and multi-unit properties, making homeownership more accessible for buyers.

Thinking about buying a bigger home, downsizing, or right-sizing your living space? While the traditional approach often involves “selling in the morning, then buying in the afternoon,” there are alternative strategies to make your move smoother. Options like bridge loans, buying first then recasting the loan, or converting your current home into an investment can help you maximize flexibility and minimize stress. We will explore strategies to find the best solution for you.

Looking for jumbo loan programs with low down payment options? We offer jumbo mortgages with as little as 5% down, including fixed-rate mortgages and  adjustable-rate mortgages (ARMs) for loan amounts up to $5 million. Whether you’re buying a luxury home or refinancing a current property, our jumbo loan options provide flexible solutions tailored to your needs. 

Whether you’re a first-time real estate investor or an experienced house flipper, we provide tailored financing solutions designed to match your budget, risk tolerance, and desired return on investment. Our customized investment mortgage program options help you maximize profits and achieve your real estate goals. 

Looking to buy a vacation home or second property? We’re licensed in multiple states, including Arizona, Illinois, Indiana, Florida, Michigan, North Carolina, and Wisconsin. Plus, we can connect you with trusted Realtor and insurance referrals both in the U.S. and internationally, making your home-buying experience seamless no matter where you’re looking to invest.

We offer a wide range of specialized mortgage and home loan programs to fit your unique needs, including medical and doctor loans, first responder programs, teacher and educator loans, relocation mortgages, self-employment financing, DSCR loans, bank statement programs, and more. Our lending solutions help you secure the right mortgage and achieve your homeownership or investment goals. 

Improve your affordability and save money by securing a lower mortgage interest rate, which can significantly reduce your monthly mortgage payments. 

By shortening your mortgage term and/or locking in a lower interest rate, you can potentially save thousands in interest while paying off your home faster. Options like 25-year, 20-year, 15-year, or 10-year fixed-rate mortgages help homeowners reduce overall mortgage costs and achieve financial freedom sooner. 

Unlock the equity in your home with a cash-out refinance and access funds for a variety of financial goals. Use the cash to consolidate debt, make home improvements, invest in real estate, or even purchase a new home, vacation property, or investment property. Our cash-out refinance programs provide flexible options to help you maximize your home’s value and achieve your financial objectives.

Planning a major home renovation or remodeling project? Renovation loans can help you finance your home improvement plans, whether it’s updating your kitchen, adding a new room, or upgrading your entire property. These home renovation mortgage options provide flexible financing to increase your home’s value and make your dream improvements a reality. 

Seeking to buy a newly built home? Take advantage of long-term rate locks, float-down mortgage options, and innovative home financing solutions. These programs provide flexibility and security, helping you secure the best mortgage rate while purchasing your new construction home. 

Looking to buy a lot and build your custom dream home? Explore financing options like lot loans, construction loans, and single-close or “single-time” funding programs. These home construction mortgage solutions provide the flexibility and funding you need to turn your custom home vision into reality.