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OUR SPECIALTIES

Loan Options

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Best of the Best Conventional Loan

We provide Platinum services for those with equity position and great credit.  Platinum pricing with premium service.  No escrow waiver fee!


HomeReady/HomePossible Advantage - 97% Financing (LTV)

At closing, up to $525 refunded to you to cancel out the cost of your appraisal. 

Statewide Jumbo Homes for Non-Jumbo Pricing!

90% LTV on a primary residence home up to purchase price of $755,000.  NO PMI and competitive rates.  80% LTV on second homes up to a purchase price of $849,000. Minimum FICO 680

ARM - 5/1, 7/1 and 10/1

Lower rates and better options for ARMs than in years past.  Save money in the short term! 

Jumbo

Fico score starting at 700 with incentives for 740+

Primary, secondary and investment property

Condos and Condotels

Options for every financeable project type available.  Fannie Mae/Freddie Mac approved condo projects or projects ineligible to be sold to Fannie/Freddie due to short term rentals, litigation, etc.  Condotels that have front desk service, maid service etc.  Call us to see what category your paradise is in!

FHA, VA and USDA

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FHA 96.5% Loan to Value - 580+ Credit

FHA Purchase/Cash out Refinance - Credit scores from 500-579; Current on time documented mortgage/rental history required for previous 12 months. 

Gift funds from immediate family members allowed for down-payment.  Sellers can pay up to 6% in closing costs.  

FHA 203k -Renovation Loan - 500+ Credit

Up to $35,000 for eligible repairs and improvements

FHA Steamline

No credit score used for qualifying, 1 30 day mortgage late acceptable in the last 7-12 months.  Great opportunity to refinance from a 30 to 15 year mortgage to reduce loan term.  Loan will not increase your current mortgage balance or payment by more than $50 if proved to be beneficial.  

VA and VA IRRRL

Minimum score starting at 500+ with current documented mortgage/rental history over past 12 months 

Cash out refinances at 100% of home's value 

Sellers pay up to 4% in closing costs!

USDA - 550+ Credit

Two open and current credit lines that have reported for at least the last 12 months are required.  

Past 12 months of on time mortgage/rental history to be verified.

Our lender may allow payment arrangements or a 5% payment of balance as remediation for outstanding collections in place of complete payoff!

Subject to maximum annual income limits for all persons residing in household.

Sellers can pay up to 6% in closing costs! 

CONSTRUCTION LOANS

VA-FHA-USDA One time close construction home loans.

Get Pre-quilified.

Find or have a lot.

Pick your house plans.

Close one time.

Build your dream.

Move in.

The path to your bliss starts here.