Flexible Lending
Programs Tailored
To Your Needs
Conventional Loans
Advantages
Conventional loans offer lower long-term costs by allowing borrowers to remove private mortgage insurance once they reach 20% equity.
Requirements
A debt-to-income ratio of 45-50% or less, a minimum credit score of 620, and maintaining mortgage insurance until the loan-to-value ratio reaches 80%.
Home Equity Line of Credit
Advantages
Provides flexible access to home equity as needed, with repayment based only on the borrowed amount plus interest.
Requirements
Features a variable interest rate and uses the home as collateral.
USDA Loans
Advantages
Offers significant benefits to rural homebuyers with lower credit, such as flexible down payment options—including the possibility of no down payment—and competitive interest rates.
Requirements
Subject to income limits, property restrictions, and applicable USDA program fees.
FHA Loans
Advantages
Accepts lower down payments and credit scores.
Requirements
A down payment starting at 3.5% for credit scores of 500 or higher. A mortgage insurance is also mandatory.
Jumbo Loans
Requirements
Requires decent to strong and a down payment starting at 10%.
Advantages
Enables financing for higher-priced homes through a single loan.
Self Employed Borrowers
Advantages
Qualify with 12–24 months of bank statements or a CPA P&L instead of tax returns, plus flexible DTI and no mortgage insurance.
Requirements
Typically 10–20 % down, 2 years in business, solid credit, and steady deposits over the past 12–24 months.
FHA 203k Rehab Loans
Advantages
Combines the purchase price and renovation costs into a single loan with down payments ranging from 3.5% to 10%.
Requirements
Improvements must be completed by licensed contractors within six months. Available only for primary residences or nonprofit organizations; investors are excluded.
Reverse Mortgage
Advantages
Allows homeowners to access home equity to support retirement goals without selling the property.
Requirements
The loan amount is based on home equity and includes fees and interest. Various options are available, including tenure and term plans.
Non-QM Loans
Advantages
Allows borrowers to qualify using alternative documentation, such as bank statements or profit and loss statements.
Requirements
Typically necessitates a 20% down payment and carries a higher interest rate compared to traditional "full documentation" loans.