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Loan Products

There are an array of mortgage loan products available. We will work to educate you on which product better suits your needs during your buying process. Loan products come in different types, such as fixed-rate mortgages, adjustable-rate mortgages, government-backed loans. There are also some loan products that help to assist investors, specific occupations based and self employers buyers. 

Conventional Loan

  •  Requires fair to good credit history w/  min credit score of 620

  • Down payment ranges between 1- 3% of the sales price

  • Fixed and Adjustable Rate Options available

VA Loan

  • VA loans are for eligible members of the U.S. military (active duty, veterans, National Guard and Reservists) as well as surviving spouses.

  • There’s no minimum down payment, or mortgage insurance required

  • VA loans do not have a min credit score, but most lenders will require a credit score of at least 620

Non-QM Loans

Non-qualifying mortgages or non-QM loans don’t meet certain standards set by the Consumer Financial Protection Bureau, so they offer more lenient credit and income requirements. This might appeal to a borrower with unique circumstances, such as an inconsistent income. Some non-QM loans, however, come with higher down payments and interest rates. 

FHA Loan

 Best for borrowers with lower credit scores and minimal cash for a down payment. Down payment requirement is 3.5% of the sales price (**10% if credit score less than 580) 


  • No down payment Required

  • Much more flexible credit and down payment guidelines

  • Min credit score between 620 - 640

  • Help borrowers who wouldn’t otherwise qualify

  • Property must be USDA eligible 

Constructions Loans 

If you want to build a home, a construction loan can be a good financing choice — especially a construction-to-permanent loan, which converts to a traditional mortgage once you move into the residence. These short-term loans are best for those who can make a higher down payment.

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