Program Highlights 100% Financing with USDA Closing costs included in loan up to appraised value Low USDA Rates Low Monthly MI We can go down to 600 credit score. Must meet USDA income and property eligibility Repairs can be included in loan amount (up to appraised value) Manufactured Homes are eligible but have specific requirement

First Time Home Buyers

1st time home buyer

First Time Home Buyers Buying a home is a major part of the American dream, and one of the most important decisions you can make. Let us guide you though the process. Most lender require 20% down but we have programs that will allow for 3% down.  We also have grants available for those who… [Read More]

USDA Loans


USDA Features: No Money Down Financing Option Available. Can be used to buy a new home or refinance an existing mortgage. May offer better terms than some traditional loan programs. No Reserves Required. Interested party contributions up to 6%. Closing costs may be financed on some transactions. * Automated property and income eligibility tool available… [Read More]

VA Home Loans

thanks for serving

We offer special incentives to Veterans. This is our way of thanking you for the sacrifices you have made. VA Home Loan Benefits • No Money Down Available. • Very Competitive interest rates. • Flexible qualifying guidelines. • Mortgage insurance not required. • Buyer is not responsible for certain closing costs. *Must meet VA eligibility… [Read More]

Small Business Lending


SMALL BUSINESS LENDING -with terms to fit your needs • Borrow up to $5 million. • All 7(a) loans are fully amortized with no balloons or call dates. • Loans for working capital, machinery, and equipment have a maturity of 5-10 years, up to the useful life of the equipment. Real estate loans have a… [Read More]

Recast or Refinance – We offer both

yes we can help

Refinancing -vs- Recasting Refinancing a mortgage is when you apply for a new mortgage and use it to replace the existing mortgage.  In most cases this is done to lower an existing interest rate, consolidate bills or to get cash out of the equity.  Refinancing requires lender loan approval and typically involves normal closing costs… [Read More]

Innovative Financing Solutions for Property Investors

investor loans

We understand the unique needs and challenges of property investors. That’s why we offer innovative solutions and common-sense underwriting designed to provide more options, great rates, and a smooth funding experiences. • Advantageous rental income calculation. • Loan amounts up to $2,000,000 • Full Doc, Bank Statement, Debt Service Calculations, Stated-Income and No-Ratio Loan options… [Read More]

Physician Loans

doctor loans

• As little as 3% down -with 720 FICO • Primary residence: purchase and rate/term re-finance • 1-unit single family residence, warrantable condo, and PUD • Eligible borrowers: • Medical residents, new and established doctors • Includes Dentists and Optometrists • At least one borrower must hold a valid license • Exclusion of student loan… [Read More]

Reverse Mortgages


—-Reverse Mortgage Key Benefits & Features—- Eliminate monthly mortgage payments Stay in home and retain full home ownership Tax-free loan proceed Choose to receive proceed as lump sum, monthly payments or line of credit Growing line of credit Non-recourse loan No prepayment penalty —-Reverse Mortgage Eligibility—- Homeowner must be 62 years old or older Must… [Read More]

VA Home Loans. No down payment

va 500

15 (conforming balance), 20, 25 and 30-year Fully Amortizing Fixed Rate, Citizenship is not required, High LTV with no monthly mortgage insurance, Not, limited to first-time homebuyers, IRRRL allowed without an appraisal.