We are working with multiple lenders, we are able to provide our clients with extremely competitive pricing on a wide range of products
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Whether you’re a first-time buyer or looking to find your next home, we’ve got you covered.
Loan Programs
Which Mortgage is Right for You?
There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs.
Loan Program Options
Conventional Loan
A conventional mortgage loan is a “conforming” loan, which simply means that it meets the requirements for Fannie Mae or Freddie Mac. Fannie Mae and Freddie Mac are government-sponsored enterprises that purchase mortgages from lenders and sell them to investors.
Down Payment: 3%-20%
FHA Home Loan
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment. This means that instead of actually lending money, the FHA offers a guarantee to banks and private lenders that they’ll cover any losses in the event that a borrower doesn’t repay their loan in full.
Down payment: 3.5%
Jumbo Loan
A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $548,250 in most counties, as determined by the Federal Housing Finance Agency (FHFA). Homes that exceed the local conforming loan limit require a jumbo loan.
Down payment: 10%-20%
VA Loans
The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families. The Veterans Administration provides insurance to lenders in the case that you default on a loan.
Down payment: 0%