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Types of Loans

Types of Loans

USDA Loans

A powerful loan option that offers No Down Payment options and easy qualification criteria.

FHA Loans

With a down payment of just 3.5%, an affordable pathway to homeownership and a perfect loan for borrowers with less than perfect credit or who are unable to make a large down payment.

VA Loans

No Down Payment options, competitive interest rates and regulated closing costs for qualifying borrowers.

Jumbo Loan

Loan limits up to $2 million, with 90% LTV, no mortgage insurance and no closing cost options available.

Home Ready

Fannie Mae loans designed to offer mortgages to creditworthy, low- to moderate-income borrowers with as low as 3% down payment.

Home Possible

Freddie Mac loans with down payments as low as 3% and designed to help first-time homebuyers and low- to moderate-income borrowers.


Years Experience




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Focus: Our Clients

Frequently Asked Questions

Our clients have many questions about their loan options and the approval process, and if we can help in any way please give us a call for a brief consultation.

The most important thing to consider when looking for a home loan is how much you can afford, and a good first step is the mortgage calculator. Borrowers begin with a loan consultation to discuss the many factors lenders will consider when determining your loan amount, in addition to the appraised value of the home against which you are borrowing.

A pre-qualification is a determination by the lender, based on creditworthiness, income and other factors, but is not a formal approval of credit since not all underwriting requirements have been met, and your rate has not been locked until your lender tells you it has been locked. Then you will work with the lender to satisfy all requirements to receive approval to close on your new loan.

Loan types vary and a lot depends on how long it takes the borrowers to compile the information required by the lender, but the typical timeframe from start to finish is three weeks.

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