Our team

Our clients and real estate agents are the bedrock of our success, relying on us daily to educate and advocate for them throughout the mortgage process. With a diverse range of loan products, we empower our clients with more choices, competitive rates, and minimal fees. Our unwavering commitment to exceptional customer service drives us forward.

Whether you’re an experienced real estate investor or a first-time homebuyer, we understand the emotions tied to applying for a mortgage. We pledge to earn your trust by tailoring the right mortgage solution for your unique financial situation, ensuring fair and competitive pricing, and maintaining transparent communication so you’re well-informed every step of the way.

Conventional Loans

If you’re looking for a mortgage with low fees, a conventional home loan may be a good option for you. If you are eligible, there are a number of benefits.

  • Save Money: With a down payment of 20% or more, you won’t need to pay for mortgage insurance.

  • Flexible Terms: Choose what mortgage term works best for you! Options include 30, 20, 15, and 10 year terms.

  • Low Down Payment Option: It’s possible to take out a conventional loan with a down payment of just 3%.

Eligibility Requirements:

  • A good credit score of 620 or higher

  • A down payment which can be as little as 3%

  • Consistent and documented income

  • A low debt-to-income ratio

FHA Home Loans

Worried about a low credit score or not being able to afford a large down payment? With less strict requirements, a FHA home loan may be the right loan for you.

Benefits of a FHA Loan:

  • FICO Flexibility: The FHA home loan has less strict FICO score requirements, allowing more people to qualify for a home loan.

  • Gift Funds Allowed: Gift funds are allowed for the down payment, which means your family can help.

  • Flexible Qualification: Requirements for an FHA loan are generally more relaxed compared to other loans.

Eligibility Requirements:

  • Credit score higher than 500 with 10% down

  • Credit score higher than 580 with 3.5% down

  • Ability to cover 3.5% down payment

  • Reasonable debt-to-income ratio

  • Home must be the borrower’s primary residence

USDA Home Loans

The USDA Mortgage is meant to spur homeownership in pre-designated rural and underdeveloped areas. Take advantage of a 0% down-payment with this program!

Benefits of a USDA Loan:

  • 100% financing: That’s right! This program offers 100% financing for qualifying members.

  • First time buyer friendly: USDA Rural Loans can be used by first-time buyers and repeat home buyers alike.

  • No homeowner counseling required: Unlike some other mortgage programs, the USDA program doesn’t require a homeowner counseling course to qualify.

Eligibility Requirements:

  • Ability to prove creditworthiness, typically with a credit score of at least 640

  • Stable and dependable income

  • A willingness to repay the mortgage – generally 12 months of no late payments or collections

  • Adjusted household income is equal to or less than 115% of the area median income

  • Property serves as the primary residence

  • Property is located in a qualified rural area

VA Home Loans

VA loans are government-backed loans intended to help eligible service members, veterans, and military spouses to purchase homes. These loans come with great rates and payment terms, and require no down payment. Are you an active military member, veteran, reservist, or surviving spouse? You may be eligible for a VA loan!

Benefits of a VA Loan:

  • No money down: Purchase or refinance at 100% of the home’s value.

  • Fast processing: Let our VA team guide you through a fast and easy process.

  • Multiple uses: Use your VA loans to purchase property, refinance an existing loan, and even to build or improve your home.

  • Save on mortgage insurance: VA loans don’t require mortgage insurance no matter how much deposit you put down.

Eligibility Requirements:

  • Qualifying military member or veteran

  • Satisfactory credit

  • Sufficient income

  • Purchased property must be primary residence

Jumbo Home Loans

Need a bigger loan for your property? Then a jumbo loan might be right for you. While similar to conventional loans, jumbo mortgages exceed the amount of conventional conforming loan limits. With larger loans come increased risk, so keep in mind that jumbo loan qualification requirements can be stricter.

Benefits of a Jumbo Loan:

  • Purchasing a high end home: Consider a jumbo loan if you need a loan that exceeds your county’s conforming loan limit.

  • Eliminate the need to have multiple loans: Provides the convenience of one loan for the entire loan amount, with a variety of options.

  • Save on mortgage insurance: Since a 20% down payment is often required for jumbo loans, private mortgage insurance isn’t always required.

Eligibility Requirements:

  • Good credit score

  • A deposit of 20% or higher

  • Proof that you are able to repay the loan

  • Statement of assets