Our Loans


Conventional Loans



Generally for buyers with good credit and down payments of 3.5% or more.

Conventional loans are for buyers with good credit, good savings, and the ability to put more than a 3.5% down payment. Conventional loans are also good options for buying investment property. We offer the following conventional loan programs:

Direct Freddie Mac

FNMA Direct

Freddie Home Possible

Fannie Mae HomeReady

Aggregators and Minimum FICO 620


Easy approval process
Only 1 year of tax documents required for W2 borrowers
Flexible mortgage insurance options for borrowers with less than 20% down
Easier appraisals for condo financing

Harder to qualify with low credit score
Longer waiting periods after a bankruptcy, loan modification, short sale or foreclosure
FICO score and loan amount can affect mortgage insurance and rate

Government Loans



Great for buyers with low credit and/or small down payments.
Government loans are great for the first-time homebuyer with little - to - no credit. Some programs, such as USDA and VA loans, require no down payment at all. Our Government loans include:

FICO 620

FHA Purchase Streamline

FHA Standard

FHA High Balance

VA High Balance


VA Purchase & IRRL


Fixed Loan Programs



Greater Flexibility for lower credit scores

Little to no down payment required

Non-Occupant co-signers allowed

Lower interest rates compared to conventional loans

Ability to streamline refinance process

Mortgage insurance must be paid upfront

Mortgage insurance cannot be removed without refinancing

Harder to approve once declined by another bank