LOAN PROGRAMS  - These are the various type of mortgage loans available.

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Conventional - Fixed rate and adjustable loans with low down payments. Mortgage insurance is required for down payments of less than 20%. This is the most common type of mortgage loan.

FHA - Government insured loans that require a small down payment and lower credit scores than conventional loans.

VA - Government guaranteed loans for active and retired military members, that requires no down payment.

​USDA - Government guaranteed loans for rural areas, that require no down payment. 

Jumbo - Mortgage amounts that are above the Conventional, FHA or VA maximum loan limits.

Non Traditional Loans - Loans that do not fit the parameters of the other most common types of loans. Alternate sources of income can be used, including rental property cash flow.

Foreign National - Loans to non-US residents to buy or refinance second homes or investment properties, in this country.

Immigrant Loans - A special program for professional immigrants entering the USA on an acceptable work visa and employed in this country.

Commercial  - Loans for the purchase or refinance of commercial properties, or multifamily residential projects with more than 4 units. These loans are also available to foreign nationals.

Construction  - Loans to build a new home, which converts to a permanent mortgage upon completion of construction.

Reverse Mortgages - For homeowners age 62 and over, this loan allows them to receive part of the equity in their home, without making monthly payments, or having to sell the home. The loan only becomes due and payable when the last borrower permanently leaves the home.