PRODUCT OPTIONS

 Conforming conventional loans are loans that adhere to the standards set by Fannie Mae and Freddie Mac, including maximum loan amounts as set by the Federal Housing Finance Agency (or FHFA).

FHA is a government insured product ideal for First-time homebuyers with low down-payments and favorable credit-score requirements.  Unlike conventional loans, FHA mortgage insurance premiums (MIP) remain for the life of the loan.

With VA loans, veterans, service members, and their surviving spouses can purchase homes with little to no down payment and no private mortgage insurance and generally competitive rates.

A USDA home loan is a mortgage either made or guaranteed by the United States Department of Agriculture's Rural Housing Service agency to help households with very low to moderate incomes purchase safe and affordable homes in rural areas.

 Jumbo loans allow you to borrow more than the maximum lending limit for conforming loans. However, they typically require a higher credit score, lower debt-to-income ratio (DTI) and larger down payment. 

Non-Qualified Mortgage are for borrowers who can afford a mortgage but have an unusual financial situation that makes getting a qualified mortgage difficult, a non-QM loan can make homeownership possible.

These are commercial loans on multifamily rental properties that provides you with flexible financing for apartments, condominiums and co-operative housing having 5 units or more. 

A home equity line of credit, or HELOC, is a set amount of available cash that can be used at the borrower's discretion and repaid over time much like a credit card but has a substantially lower rate on outstanding balances.

Reverse mortgages are a way for older homeowners (at least 62yrs of age) to borrow money based on the equity of their home