Loan Programs

A conventional loan is one of the most common types of home financing and is not backed by the government. These loans are offered by private lenders and typically require a good credit score and a moderate down payment. Conventional loans give you flexibility with fixed or adjustable interest rates and can be used for a primary residence, vacation home, or investment property. If you have steady income, solid credit, and are ready to put some money down, a conventional loan could be a great fit for reaching your homeownership or investment goals.

USDA loans are a great option for buyers looking to purchase a home in eligible rural or suburban areas. Backed by the U.S. Department of Agriculture, these loans often require no down payment and come with affordable interest rates. They’re designed to make homeownership possible for moderate- to low-income families while also supporting growth in rural communities. If you’re open to living outside a big city, a USDA loan might be your key to homeownership.

FHA loans are designed to make buying a home easier for first-time buyers or those with less-than-perfect credit. Backed by the Federal Housing Administration, FHA loans allow for lower down payments (as little as 3.5%) and more flexible credit requirements than conventional loans. This program can be a great stepping stone into homeownership if you don’t have a large savings or a long credit history.

VA loans are a powerful benefit available to active-duty military members, veterans, and eligible surviving spouses. Backed by the U.S. Department of Veterans Affairs, these loans often require no down payment, no private mortgage insurance (PMI), and offer competitive interest rates. A VA loan can make homeownership more affordable and honorably supports those who have served our country. If you’ve worn the uniform, this program is designed to serve you.

Investor and alternative loan programs are designed for those who may not fit traditional lending requirements. A DSCR (Debt Service Coverage Ratio) loan focuses on the cash flow of an investment property instead of your personal income, making it ideal for real estate investors. Bank statement loans, on the other hand, allow self-employed borrowers to qualify using their business deposits instead of tax returns. Both programs provide flexible solutions for building wealth through real estate or navigating non-traditional income situations.

Refinancing means replacing your current mortgage with a new one — often to lower your monthly payment, get a better interest rate, or change the length of your loan. Some homeowners refinance to take cash out of their home’s equity for things like renovations, paying off debt, or funding major expenses. Whether your goal is to save money each month or tap into the value you’ve built in your home, refinancing can be a smart way to make your mortgage work better for you.