Residential Loans

Our FHA program sets a minimum credit score requirement of 580 for Automated Underwriting System (AUS) approval or 550 for manual approval. Additionally, we accommodate non-credit qualifying streamline refinances and accept gift funds to assist with your down payment and closing cost. Furthermore, we offer cash-out refinancing up to 80% Loan-to-Value (LTV).

We provide a wide range of conventional loan products tailored to fit each client’s unique financial needs. Our goal is to help you find the right financing solution with flexible conforming and non-conforming loan options.

In our VA program we require a minimum credit score of 580 for Automated Underwriting System (AUS) approval or 550 for manual approval. We specialize in assisting individuals with past financial challenges including;: foreclosures, short sales, and bankruptcy; provided they occurred more than two years ago and can receive AUS approval of your services.

In our USDA program, we stipulate a minimum credit score of 640. We offer flexibility with no maximum Loan-to-Value (LTV) ratio of 100%, ensuring accessibility and support for your home financing needs.

Our Jumbo Loan program from MFS Corporation provides financing for high-value residential properties that exceed conventional loan limits. Basic requirements include a minimum credit score of 700, proof of stable income, employment verification, bank statements, tax returns, and a larger down payment requirement.

Our Fixed-Rate Mortgage program provides stable monthly payments with a consistent interest rate throughout the life of the loan. Basic requirements include a minimum credit score of 620, proof of income, employment verification, bank statements, and a down payment based on loan qualifications

Our Adjustable-Rate Mortgage (ARM) program offers lower initial interest rates with flexible financing options for homebuyers and homeowners. Basic requirements include a minimum credit score of 620, proof of income, employment verification, bank statements, and a down payment based on loan qualifications.

Our Cash-Out Refinance Loan program allows homeowners to refinance their mortgage and access cash from their home equity for major expenses or investments. Basic requirements include a minimum credit score of 620, sufficient home equity, proof of income, bank statements, and employment verification.

Our Rate & Term Refinance program helps homeowners lower their interest rate, adjust loan terms, or reduce monthly mortgage payments. Basic requirements include a minimum credit score of 620, proof of income, employment verification, bank statements, and sufficient home equity.

Our Home Equity Loan program allows homeowners to borrow against the equity in their property for major expenses, renovations, or debt consolidation. Basic requirements include a minimum credit score of 620, sufficient home equity, proof of income, bank statements, and employment verification.

Our HELOC (Home Equity Line of Credit) program gives homeowners flexible access to funds using their home equity for renovations, emergencies, or other expenses. Basic requirements include a minimum credit score of 620, sufficient home equity, proof of income, bank statements, and employment verification.

Our DSCR Loan program is designed for real estate investors seeking financing based on property cash flow rather than personal income. Basic requirements include a minimum credit score of 680, rental income documentation, property financials, bank statements, and a down payment or equity contribution.

Our Fix & Flip Loan program provides short-term financing for purchasing and renovating investment properties for resale. Basic requirements include a minimum credit score of 660, property details, proof of funds or exit strategy, bank statements, and a down payment or equity contribution.

Our Bridge Loan program provides short-term financing for homeowners and investors needing quick funding between property transactions. Basic requirements include a minimum credit score of 660, proof of income or repayment ability, bank statements, and available property equity or collateral.

Our Non-QM Loan program offers flexible financing solutions for borrowers who may not qualify for traditional mortgage programs. Basic requirements include a minimum credit score of 620, proof of income or alternative income documentation, bank statements, and a down payment based on loan qualifications.

Our Reverse Mortgage program allows eligible homeowners age 62 and older to convert home equity into cash while continuing to live in their home. Basic requirements include a minimum credit score of 620, proof of homeownership, sufficient home equity, income verification, and the borrower must meet age eligibility requirements.