Loan options
Built for every client your realtors send our way
From first-time buyers to seasoned investors, we have the right program ready — so your referral never has to wait.
Loan options for every client
Whatever your client’s situation, we have a program built for it.
Conventional loans
FHA loans
VA loans
Down payment assistance
Jumbo loans
Refinancing
Conventional loans
A conventional loan is the most common type of mortgage, not backed by any government agency. It works best for buyers with strong credit and a stable financial history.
Key benefits:
- Competitive interest rates for qualified buyers
- As little as 3% down for first-time buyers
- No mortgage insurance once you reach 20% equity
- Flexible terms from 10 to 30 years
Best for: buyers with good credit and a steady income history.
FHA loans
Backed by the Federal Housing Administration, FHA loans open the door to homeownership for buyers who might not qualify for a conventional loan.
Key benefits:
- Down payments as low as 3.5%
- More flexible credit score requirements
- Available to first-time and repeat buyers
- Gift funds allowed for down payment and closing costs
Best for: first-time buyers or clients rebuilding their credit.
VA loans
Created specifically for veterans, active-duty service members, and their families, VA loans are backed by the U.S. Department of Veterans Affairs.
Key benefits:
- Zero down payment required
- No monthly mortgage insurance
- Competitive interest rates
- Limits on closing costs the buyer can be charged
Best for: eligible veterans and service members.
Down payment assistance
These programs help cover upfront costs — down payment, closing costs, or both — so your client doesn’t have to drain their savings to close.
Key benefits:
- Grants or low-interest second loans, depending on the program
- Can be combined with FHA or conventional loans
- Helps first-time buyers move faster
- Eligibility varies by income and property location
Best for: qualified buyers who need help with upfront funds.
Jumbo loans
For properties that exceed conventional loan limits, jumbo loans provide financing built for higher-value purchases.
Key benefits:
- Financing above conventional loan limits
- Competitive rates for well-qualified borrowers
- Flexible terms for primary residences, second homes, or investment properties
- Higher loan amounts without sacrificing service
Best for: luxury home buyers and high-value transactions.
Refinancing
Whether your client wants to lower their monthly payment, shorten their loan term, or access their home’s equity, refinancing can help them reach the next goal.
Key benefits:
- Lower your monthly payment or interest rate
- Shorten your loan term to build equity faster
- Cash-out options to access home equity
- No obligation to work with your client’s original lender
Best for: past clients ready to refinance or tap into equity.
Why is credit important?
Your client’s credit profile shapes which programs they qualify for and the rate they’ll receive. We review credit early in the process so there are no surprises — and so you can set the right expectations with your client from day one. Not sure which program fits your client? Schedule a call!
Loan programs and terms are subject to credit approval and may vary. Contact us for current rates and full program details. NMLS #2343393 | Equal Housing Opportunity