Loan Programs

We offer a full range of mortgage programs to fit different financial situations, credit profiles, and goals — from government-backed loans for first-time buyers to specialized financing for real estate investors. Explore the programs below, then contact us to find the right fit for you. First time buying a home? Check out our First-Time Home Buyer guide for a step-by-step walkthrough.

FHA Home Loan Program

Homeownership May Be Closer Than You Think!

An FHA loan is a government-insured mortgage designed to help more buyers qualify for homeownership with flexible credit and down payment requirements.

Program Highlights:

Credit scores as low as 560 may be eligible through select lenders and loan programs.*
Down payments as low as 3.5% (for qualified borrowers meeting FHA requirements).
More flexible credit guidelines than many conventional loan programs.
Gift funds may be used for the entire down payment and closing costs.
Available for first-time and repeat homebuyers.
Fixed-rate loan options available.

Whether you’re rebuilding your credit, have limited savings, or are buying your first home, an FHA loan could be the right financing solution.

Disclaimer: FHA’s base guidelines generally allow maximum financing (3.5% down) with credit scores of 580 or higher, while scores 500–579 typically require a 10% down payment. Some lenders offer programs that accept 560 credit scores through lender-specific underwriting or overlays, and qualification is subject to credit, income, debt-to-income ratio, property eligibility, and lender approval.

VA Home Loan Program

Exclusive Financing for Eligible Veterans, Active-Duty Military & Surviving Spouses

A VA loan offers one of the most affordable paths to homeownership with flexible credit guidelines and outstanding benefits for those who have served our country.

Program Highlights:

Credit scores as low as 580 may be eligible through select lenders and loan programs.*
0% Down Payment for qualified eligible borrowers.
No monthly mortgage insurance (PMI).
Competitive fixed interest rates.
Flexible credit and debt-to-income guidelines.
Limited closing costs and seller concessions allowed.
Available for purchase, refinance, and VA Interest Rate Reduction Refinance Loans (IRRRL).

If you’re a Veteran, Active-Duty Service Member, National Guard or Reserve member, or an eligible surviving spouse, a VA loan could help you achieve homeownership with little to no money down.

*Disclaimer: The U.S. Department of Veterans Affairs does not set a minimum credit score. A 580 minimum credit score is based on select lender guidelines and loan programs. Qualification is subject to VA eligibility, income, assets, debt-to-income ratio, appraisal, and lender approval.

USDA Rural Development Home Loan

100% Financing for Eligible Rural Areas

A USDA loan is designed to help qualified homebuyers purchase a home in eligible rural and suburban communities with no down payment required.

Program Highlights:

0% Down Payment for qualified borrowers.
Competitive fixed interest rates.
Flexible credit guidelines, with credit scores as low as 580 available through select lender programs.*
Lower monthly mortgage insurance costs than many other loan options.
Gift funds allowed for closing costs and prepaid expenses.
Available to first-time and repeat homebuyers.
Must meet USDA income and property eligibility requirements.

A USDA loan is a great option for buyers looking to purchase a home outside major metropolitan areas while taking advantage of 100% financing.

Disclaimer: The USDA does not establish a minimum credit score. While USDA’s automated underwriting generally favors credit scores of 640 or higher, some lenders offer manual underwriting or proprietary programs that may consider scores as low as 580. Qualification is subject to USDA income limits, property eligibility, credit, debt-to-income ratio, and lender approval.

Conventional Home Loan

Flexible Financing for a Wide Range of Homebuyers

A Conventional loan is one of the most popular mortgage options, offering competitive rates, flexible terms, and a variety of down payment options for qualified buyers.

Program Highlights:

Credit scores as low as 620 may qualify.*
Down payment options starting at 3% for qualified first-time homebuyers and 5% for many other borrowers.
Available for primary residences, second homes, and investment properties.
Fixed-rate and adjustable-rate mortgage (ARM) options available.
Private Mortgage Insurance (PMI) may be removed once sufficient home equity is established.
Higher loan limits available in many areas.
Ideal for first-time and repeat homebuyers.

Whether you’re purchasing your first home, upgrading to a larger home, or investing in real estate, a Conventional loan provides flexible financing solutions to fit your goals.

*Disclaimer: Conventional loan programs typically require a minimum 620 credit score, although guidelines vary by lender and loan program. Qualification is subject to credit approval, income, assets, debt-to-income ratio, appraisal, and program eligibility.

Bank Statement Home Loan

Flexible Financing for Self-Employed Borrowers

A Bank Statement loan is designed for self-employed borrowers who may not qualify using traditional tax returns. Instead, qualifying income is determined using personal or business bank statements.

Program Highlights:

Qualify using 12 or 24 months of bank statements instead of tax returns.
Ideal for self-employed business owners, entrepreneurs, freelancers, and independent contractors.
Credit scores as low as 620 may qualify through select loan programs.*
Down payment options starting at 10%, depending on qualifications.
Loan amounts available for higher-priced homes.
Available for primary residences, second homes, and investment properties (program dependent).
Fixed-rate and adjustable-rate mortgage (ARM) options available.

If your tax returns don’t reflect your true earning potential, a Bank Statement loan may provide the flexibility you need to achieve homeownership.

*Disclaimer: Bank Statement loans are non-QM (Non-Qualified Mortgage) products. Minimum credit scores, down payment requirements, and qualifying guidelines vary by lender and loan program. Qualification is subject to verification of income, assets, credit, debt-to-income ratio, appraisal, and lender approval.

DSCR (Debt Service Coverage Ratio) Investment Loan

Financing Designed for Real Estate Investors

A DSCR loan is a mortgage designed for real estate investors that qualifies based on the property’s rental income—not your personal income. It’s an excellent option for investors looking to grow their portfolio without traditional income documentation.

Program Highlights:

No personal income verification, tax returns, or employment history required.
Qualify based on the property’s Debt Service Coverage Ratio (DSCR).
Available for purchase, refinance, and cash-out refinance.
Credit scores as low as 620 may qualify through select loan programs.*
Down payment options starting at 20%, depending on the program.
Finance single-family homes, condos, townhomes, and 2–4 unit investment properties.
Fixed-rate and adjustable-rate mortgage (ARM) options available.
No limit on the number of financed investment properties with many programs.

Whether you’re purchasing your first rental property or expanding an established real estate portfolio, a DSCR loan can provide a streamlined financing solution without the need for traditional income documentation.

*Disclaimer: DSCR loans are Non-QM (Non-Qualified Mortgage) products. Minimum credit scores, down payment requirements, DSCR ratios, reserve requirements, and program guidelines vary by lender. Qualification is subject to property cash flow, credit approval, appraisal, assets, and lender requirements.

Fix & Flip Investment Loan

Fast Financing for Real Estate Investors

A Fix & Flip loan is designed for investors purchasing properties that need renovation before being resold for a profit. These short-term loans provide financing for both the purchase and renovation costs, helping you move quickly on investment opportunities.

Program Highlights:

Finance both the purchase price and renovation costs in one loan.
Fast closings to help you compete in today’s market.
Available for single-family homes, condos, townhomes, and 2–4 unit investment properties.
Loan amounts based on the property’s After Repair Value (ARV).
Interest-only payment options available with many programs.
Flexible qualification guidelines designed for real estate investors.
No owner-occupied properties—investment properties only.
Ideal for experienced and first-time fix-and-flip investors.

Whether you’re renovating your first investment property or expanding your real estate portfolio, a Fix & Flip loan provides the capital you need to purchase, renovate, and maximize your return on investment.

Disclaimer: Fix & Flip loans are business-purpose, Non-QM investment loans. Loan terms, maximum loan-to-cost (LTC), loan-to-value (LTV), after repair value (ARV), credit score requirements, experience requirements, and reserve requirements vary by lender and loan program. Qualification is subject to property eligibility, appraisal, renovation plans, and lender approval.