Our Loan Programs

This loan program is usually best for people who are first-time home-buyers. The minimum credit score needed is 550 and the debt-to-income ratio can have a bottom of around 43%. This loan program also has a low down payment option of 3.5%-10% of the sales price.

This loan program is geared toward those looking for rural housing. This program has strict guidelines of where houses may be in order to qualify. The mapping for this guideline can be found here. The minimum credit score for this loan program is 620, various other criteria will apply, please contact me to see if you qualify!

A cash-out refinance may be the best option for those home renovations you've been thinking about! With the ability to go FHA or conventional the minimum credit score could be as low as 580. With this type of refinance you would be able to take out up to 80% of equity in the home you own for a large variety of reasons. 

This loan program is made specifically for those who have made the ultimate sacrifice, this is our way of saying “thank you“. This loan program offers no money down, no PMI, and extremely attractive rates. With a minimum credit score of 580, find out if you qualify today!

This loan program I’ve found is best offered toward clients looking to establish their forever home. This program is best with a higher percent down, although the minimum can be as low as 3%. This is normally best for those with higher credit scores and low debt-to-income ratios. This loan offers PMI automatically falling off once the loan has reached 78% LTV (loan-to-value) with no upfront PMI & low monthly PMI otherwise.

You're always told marry the house, date the rate. This is the part where you break-up with your current rate/term. With this refinance you can lower your monthly payment, change the term of the loan, or knock off that pesky PMI. Also available in FHA & conventional financing.