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HomeLoan Programs
Loan Programs

Loan programs, minus the jargon.

Our team will closely analyze your unique situation to get you the right product at the best rate. As a direct lender, we underwrite and fund all of these in-house, for straight answers and a faster path to closing.

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Conventional loanMost Popular
Program 01

Conventional

The most popular type of mortgage, not backed by a government agency. Flexible terms and competitive rates make these a great fit for borrowers with solid credit and steady income, with fixed- or adjustable-rate options to match your long-term goals.

Best for
  • Borrowers with a credit score of 620+
  • A down payment of at least 3–5%
  • Those seeking low PMI costs
See if you qualify
FHA loanLower Barrier
Program 02

FHA

Backed by the Federal Housing Administration, FHA loans make homeownership accessible with low down payments, often as little as 3.5%, and more lenient approval requirements. FHA 203(k) options can even roll renovation funds into the loan.

Best for
  • First-time homebuyers
  • Credit scores as low as 580
  • Buyers with limited savings for a down payment
See if you qualify
VA loanFor Those Who Served
Program 03

VA

An earned benefit exclusively for eligible veterans, active-duty service members, and their families. Finance up to 100% of value with no down payment and no private mortgage insurance, plus streamlined refinances in as little as 21 days.

Best for
  • Military veterans and active-duty members
  • Buyers wanting zero-down-payment options
  • Those seeking competitive interest rates
See if you qualify
USDA loanRural & Suburban
Program 04

USDA

USDA Rural Development loans let qualified borrowers buy or refinance an eligible property at up to 100% loan-to-value on a 30-year fixed rate, with no down payment required and flexible credit guidelines. Not limited to first-time buyers.

Best for
  • Homebuyers in eligible rural or suburban areas
  • Those with limited savings for a down payment
  • Buyers seeking low mortgage insurance costs
See if you qualify
Jumbo loanHigh-Value Homes
Program 05

Jumbo

For high-value properties that exceed conventional limits. Our jumbo program offers loan amounts up to $2 million for owner-occupied purchases (and cash-out), and up to $1.5 million for second homes, ideal for luxury and coastal homes.

Best for
  • Homes above conventional loan limits
  • Excellent credit & a strong financial profile
  • Those seeking competitive rates on larger loans
See if you qualify
Refinance loanMake a Move
Program 06

Refinance

Lower your rate, shorten your term, or tap your equity for renovations or debt consolidation. Before you commit, I’ll run an honest break-even analysis so a refinance only happens when it actually puts you ahead.

Best for
  • Lowering your rate or monthly payment
  • Cash-out for renovations or debt
  • Shortening your term to build equity faster
See if you qualify

Program availability, loan limits, and terms depend on qualification, property type, and location, and are subject to change. This page is general information, not a commitment to lend.

Not Sure Which Fits?

We'll match you to the right one.

Most people don't know exactly which program fits, that's the whole point of a quick conversation. Here's how it works.

1

Quick call

Tell me your goals, timeline, and budget. Fifteen minutes, no pressure.

2

Tailored options

I run the numbers across the programs you qualify for and show you the trade-offs.

3

Get approved

We underwrite in-house and get you an offer-ready pre-approval — fast.

Good to Know

Common questions.

A broker shops your loan out to third-party lenders. As a direct lender, we underwrite, approve, and fund the loan ourselves, which means faster decisions, fewer handoffs, and one team accountable to you from application to closing.
It depends on the program. Some conventional loans start at 3% down, FHA at 3.5%, and VA and USDA can be $0 down for eligible buyers. We'll look at your full picture and find the lowest sensible option for your goals.
Many purchase loans close in about 2–4 weeks once you're under contract, though timelines vary. Because we underwrite in-house, we can often move faster and keep your closing date on track.
Sometimes yes, sometimes no, it depends on your situation, not a headline. We'll run the actual math on buying now versus waiting, including strategies like a future refinance, so you can decide with real numbers.
There's no single magic number, different programs have different thresholds, and we work with a wide range of credit profiles. Some programs accept scores as low as 580. Reach out and we'll tell you exactly where you stand.

Find the program built for you.

A 15-minute call is the fastest way to know exactly what you qualify for.

Apply Now Schedule a Call