Loan Products
Work with an experienced loan officer who puts your needs first. Fast approvals, competitive rates and extensive product knowledge to make the home-buying experience hassle free. 
Conventional Purchase
High performance lending with honor, integrity, and trust. Features Up to 97% Loan-to-Value (LTV) (3% down payment from first-time borrower) Credit score as low as 620 Primary residence, second home,
Self-Employed Programs / Non-QM/ Investors
Innovative Non-QM programs to broaden options for non-traditional income Bank Statement / Alt Doc Asset Depletion  DSCR Full Doc 1099 40-Year (Fully Amortized) 40-year I/O WVOE 
FHA Purchase
100% Financing Available (Zero down from the borrower)  1-4 units, Planned Unit Developments (PUDs), Condominiums, and Townhomes,  Manufactured Home Loan amount up to $1.5 million Available to Vetera
VA Purchase
100% Financing Available (Zero down from the borrower)  1-4 units, Planned Unit Developments (PUDs), Condominiums, and Townhomes,  Manufactured Home Loan amount up to $1.5 million Available to Vetera
USDA Rural Housing Loan Program
Minimum FICO required 581 Property must be located in eligible rural area Loan-to-Value (LTV) allowed up to 100%* (Zero down from borrower) for Purchase and Rate & Term Refinance No LTV restriction fo
Down Payment Assistance
Overcome financial barriers with Down Payment Assistance (DPA) program. Seamlessly enter the housing market, build equity, and achieve stability on your homebuying route. Minimum credit score: 580 As
FHA/VA Streamline Refinance
If you have an FHA or VA loan, a streamline refinance can help you lower your rate with minimal paperwork and no home appraisal. This is one of the fastest and easiest ways to reduce your mortgage cos
Cash-Out Refinance
If you’ve built equity in your home, a cash-out refinance allows you to borrow against it, turning that equity into cash. You can use the funds for home improvements, debt consolidation, or other majo
Rate & Term Refinance
Looking to lower your monthly payment or pay off your loan faster? A rate-and-term refinance lets you adjust your interest rate, loan term, or both—potentially saving you thousands over the life of yo
HELOC/HELOAN
Looking for Extra Cash but Worried about Losing Your Optimized Mortgage Rate on the Current Mortgage?  We have a solution with the Home Equity Line of Credit (HELOC) or Home Equity Loan Highlights:
Reverse Mortgage
Available to seniors of age 62 years or older who own their home (spouse can be younger) Funds can be used for any purpose- Pay off loans and / or other debts • Credit line for future use Loan against