Loan Programs

Every borrower has a unique story, and there isn’t a one-size-fits-all mortgage. Whether you’re buying your first home, refinancing, or investing in real estate, I’ll help you choose the financing solution that’s right for you

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Loan programs

FHA Loans

Looking for a home purchase loan with a low-down payment? An FHA loan may make homeownership more accessible with a down payment as low as 3.5% and more flexible credit requirements than many conventional loans.

That flexibility makes FHA a great option if you’re a first-time buyer or just don’t have a huge down payment saved up. Current loan limits vary by county and are updated annually. Contact me for today’s limits in your area.

Conventional Loans

If you’re looking for a traditional home purchase loan with competitive rates and flexible down payment options, a conventional mortgage may be the right fit

A conventional loan, sometimes called a conforming loan, follows Fannie Mae and Freddie Mac guidelines. If you have strong credit, you may be able to put down as little as 3%, though 5% down is the most common route since it usually gives you better debt to income ratios. If you’re able to put 20% or more down, you can skip mortgage insurance altogether and lower your monthly payment. I’ll help you figure out which down payment strategy makes the most sense for your situation. Current loan limits vary by county and are updated annually. Contact me for today’s limits in your area.

VA Loans

VA loans are one of the best benefits available to those who’ve served. Backed by the U.S. Department of Veterans Affairs, this program is designed for eligible veterans and active-duty service members, and it comes with real advantages, including the option to buy a home with no down payment at all and no private mortgage insurance required. If you’ve served, this is often the most cost-effective path to homeownership, and I’d love to walk you through your eligibility and options.”

USDA Loans

Looking to buy outside major metropolitan areas? You may qualify for a USDA loan with no down payment.

USDA loans are backed by the United States Department of Agriculture and designed for properties in rural areas or just outside city limits. The biggest perk here is no down payment required, plus lower closing costs than you’d typically see with other loan types Current loan limits vary by county and are updated annually. Contact me for today’s limits in your area.

Jumbo Loans

Financing a luxury or high-value home? Jumbo loans provide financing beyond conventional loan limits with flexible options for qualified borrowers.

Because these loans can’t be sold on the secondary market, they carry more risk for lenders, which usually means higher rates, larger down payments, and tighter debt to income requirements. Every lender handles jumbo loans a little differently, so I’ll help you find the program that actually fits what you’re trying to do. I’m able to offer jumbo financing up to $5,000,000.”

15 years or 30 years loan and even flexible terms

At the time of purchase or refinance, you can decide the term for your loan. The shorter the term, the higher your monthly payment would be and the lower your rate is.
On a fixed rate mortgage, your monthly payments never change as the rate is constant.

Reverse Mortgages

A reverse mortgage is designed for homeowners aged 62 and older, giving you a way to convert your home equity into cash. HECM reverse mortgages are insured by the FHA, and it doesn’t matter whether your home is paid off or you still have an existing mortgage, you may still qualify. You can choose how you receive the funds too, either as a lump sum or in equal installments, whatever fits your financial plan best.” Reverse mortgages can provide additional financial flexibility during retirement while allowing you to remain in your home. I’ll help you determine whether this option aligns with your long- term financial goals.

Non-QM loans - Non-Conforming loans

Do not meet FNMA and Freddie Mac Guidelines

Non-QM loans are for situations that don’t fit inside the standard FNMA and Freddie Mac box. If your income looks different than a typical W-2 employee, or your deal has some complexity to it, this is often where the real solutions live. Here are a few of the programs I work with most:

DSCR – Debt Service Coverage Ratio

DSCR loans are built specifically for real estate investors. Instead of qualifying based on your personal income, you qualify based on the property's rental income. If the rent covers the property's expenses, there's a strong chance the loan can be approved. These typically require a larger down payment, usually in the 15 to 20% range, and they can be used for purchases, refinances, or cash out refinances, making them a flexible tool for growing your portfolio.