Loan Options

Ideal for borrowers with solid credit, steady income, moderate‑to‑large down payments seeking competitive rates and cancellable private‑mortgage‑insurance options.

Ideal for eligible veterans, active‑duty service members, and surviving spouses seeking zero‑down financing, flexible credit, and no monthly mortgage insurance.

Great for low‑to‑moderate income households purchasing primary residences in USDA‑eligible rural areas, needing zero down payment and affordable monthly insurance.

Perfect for first‑time buyers or borrowers needing low down payment options, lenient credit standards, assumable low‑rate financing options, affordable terms.

Access home equity as a lump sum, with a single fixed or adjustable-rate loan.

Lower rates, adjust terms, or switch between fixed and adjustable rates, with varied options.

Refinance an existing VA loan to lower rates or switch from ARM to fixed, often without appraisal or income proof.

Allows homeowners to replace their mortgage with an FHA loan, borrowing up to 80% of the home's value as cash

Replace an FHA loan to lower the rate, adjust the term, or switch from an ARM to a fixed rate

For business owners and self-employed borrowers who are looking to qualify by using 12-24 months of bank statements - no tax return required.

For borrowers without a Social Security Number, they can use their Individual Taxpayer Identification Number (ITIN) instead.

For International buyers looking for a second home or investment property in the U.S.

For real estate investors focused on rental cash flow who can qualify based on rental income covering the mortgage.

For business owners using 12 or 24 months of Profit & Loss statements to buy a home, a second home, or an investment property.

For borrowers with strong financial profiles who need higher loan amounts that exceed the conventional loan limits.