Explore All Loan Types
3% Down Payment
This program provides an accessible solution for many homebuyers looking to overcome common financing hurdles.
Benefits
- No PMI – Save significantly on your monthly payments.
- Low Down Payment – Only 3% required to get started.
- Flexible Credit Guidelines – Designed to help more buyers qualify with ease.
Bridge Loan
A bridge loan is a short-term financing solution that lets you access the equity in your current home to fund the purchase of your next property.
Benefits
- Ability to buy before selling
- 0% interest + $0 payments on funds
- Avoid the hassle of moving twice
- Cost-Effective Alternative – More affordable than traditional bridge loans.
- 180-Day Selling Window – Plenty of time to sell your current home with confidence.
- Profit Protection – Keep your profits when your home sells.
New Construction
Make your dream home come true with our New Construction loan option. One closing means one interest rate (with the option to modify down if the market improves).
Benefits
Build your dream home: Finance the construction of a brand-new property from the ground up.
One-time close option: Combine construction and permanent financing into a single loan for simplicity and savings.
Flexible financing: Tailored options to cover land, materials, and labor—so you can focus on designing, not stressing.
Waive The Escrow & The Fee
Take advantage of our escrow waiver program to save money at closing
Benefits
Save up to thousands of dollars at closing by eliminating the initial escrow deposit
No escrow waiver fee, which is typically 0.25% of the loan amount
Escrow waivers allowed with as low as 3% down*
Available on most conventional loans
5 Day Heloc Option
If you’re a homeowner, you may be able to use your home’s equity to pay off debt, cover expenses, or invest in new opportunities. Our fully automated, 100% online process makes it simple—and you could receive funding in as little as five business days.
Benefits
- Access your home’s equity with funds available right away
Available for primary homes, second homes, and investment properties
Flexible repayment terms with no out-of-pocket costs at closing
Fast, seamless approval with fully automated underwriting
Temporary Buydown
With a 2-1 Temporary Buydown, buyers can enjoy a lower interest rate for the first two years.
Benefits
- Lower Your Rate for 2 Years – Free!
- No Income Limits – Accessible to all buyers.
- Open to Everyone – Not limited to first-time homebuyers.
Sign Here, There, or Anywhere
Virtual closings give you the convenience of closing on a purchase or refinance without leaving your home, or when you’re a thousand miles away. No sitting at the closing table with stacks of paper to wet sign.
Benefits
- Choose an in-person, virtual* or hybrid closing (depending on loan type) to fit your schedule/comfort level
No waiting at the closing table AND you get the keys faster
Expert guidance to help the process feel seamless from start to finish
Instant Equity
Is the dream of owning a home feeling out of reach due to a large down payment? We have a wonderful opportunity for you! With our special program, you can begin your homeownership journey with just 1% down.
Benefits
- Put down just 1%, and your lender contributes an additional 2%, for a total of 3% down
Can use gift funds for your entire down payment
This allows you to keep more money in your pocket for furniture, house repairs and maintenance
Secure your Interest Rate
Lock in your rate today, shop for your dream home tomorrow.
Enjoy peace of mind with our rate-lock options, ensuring you secure a favorable interest rate even before finding your new home.
Benefits
Lock an interest rate without an offer on a property
90-, 120-, 150-, 180-, 270- and 365-day rate-lock options
Fast and easy pre-approvals
15-Year Fixed-Rate
15-Year Fixed-Rate Mortgage is ideal for homeowners who want to pay off their mortgage faster while taking advantage of lower interest rates.
Benefits
- Faster Mortgage Payoff – Become debt-free sooner
- Save on Interest – Pay significantly less over the life of the loan
- Lower Rates – Typically lower than 30-year fixed-rate mortgages
30-Year Fixed-Rate Mortgage
30-Year Fixed-Rate Mortgage is a popular choice for homeowners who want predictable, affordable monthly payments over a longer period.
Benefits
- Low Interest Rates – Competitive rates for long-term savings
- Low Down Payment Options – Starting as low as 3%
- Inflation Protection – Fixed payments keep your budget secure
Adjustable-Rate Mortgage (ARM)
Adjustable-Rate Mortgage (ARM) provides exceptionally low interest rates for an initial fixed period—commonly 5, 7, or 10 years—before the rate adjusts. This option is ideal for buyers planning to move or refinance within the fixed-rate period.
Benefits
- Perfect for Short-Term Buyers – Ideal if you plan to move or refinance soon
- Lower Initial Monthly Payments – Helps free up cash flow
- Low Down Payment Options – Starting as low as 5%
Fannie Mae HomeReady®
Fannie Mae HomeReady® program is crafted to make homeownership more attainable and affordable for low- to moderate-income buyers.
Benefits
- Low Down Payment – Options starting at just 3%
- Fast Closings – Complete in 21 days or less
- Reduced Mortgage Insurance – Maximize your buying power
Freddie Mac Home Possible®
Freddie Mac Home Possible® program helps make homeownership more accessible and budget-friendly for low-income buyers.
Benefits
- Low Down Payment – Options starting at just 3%
- Multiple Down Payment Sources Allowed – Flexible funding options
- Reduced Mortgage Insurance – Maximize your buying power
Jumbo Loan
Jumbo loans are a non-conforming mortgage option designed for buyers seeking homes in higher-priced markets or who have a larger homebuying budget.
Benefits
- Flexibility- 5, 7, 10 year ARMs or Interest Only
- High Loan Limits – finance up to $5 million
- No Private Mortgage Insurance (PMI) – save on extra monthly costs
VA Loan
VA loans are available exclusively to veterans, active-duty service members, and their spouses. These loans are guaranteed by the U.S. Department of Veterans Affairs, offering unique benefits for military families.
Benefits
- No Down Payment – for qualified buyers
- Low Interest Rates – save money over the life of your loan
- Flexible Underwriting Guidelines – easier qualification for service members and veterans
FHA Loan
FHA loans offer flexible qualification requirements and low down payment options, making them an ideal choice for first-time homebuyers.
Benefits
- Low Down Payment – as little as 3.5%
- Flexible Credit Requirements – easier approval for borrowers with varied credit histories
- Fast Closings – complete your purchase in as little as 21 days
3% Down Payment
This program provides a flexible, low-cost path to homeownership for buyers who may not have a large upfront sum for a down payment.
Benefits
- No PMI – save significantly on monthly payments
- Low Down Payment – just 3% required
- Flexible Credit Guidelines – accessible for a variety of buyers
Fannie Mae HomeReady®
The HomeReady® program helps make homeownership more affordable for low to moderate-income buyers, providing flexible options for down payments and qualification.
Benefits
- Low Down Payments – as little as 3% required
- Fast Closings – complete in 21 days or less
- Reduced Mortgage Insurance – Maximize your buying power
FHA Loans
FHA loans provide flexible qualification requirements and low down payment options, making them an ideal choice for first-time homebuyers or those looking to enter the housing market with less upfront cash.
Benefits
- Low Down Payment – as little as 3.5%
- Flexible Credit Guidelines – ideal for buyers with limited credit history
- Fast Closings – complete in as little as 21 days
VA Loan
The VA Loan Program is a powerful benefit available exclusively to veterans, active-duty service members, and eligible spouses.
Benefits
- No Down Payment Required – 100% financing for qualified buyers
- Competitive Low Interest Rates – save thousands over the life of your loan
- Flexible Underwriting Guidelines – easier qualification compared to conventional loans
Freddie Mac Home Possible®
Home Possible® by Freddie Mac is designed to make homeownership more accessible and affordable for low- to moderate-income buyers.
Benefits
- Low Down Payment – as little as 3%
- Multiple Down Payment Sources Allowed – combine gifts, savings, or grants
- Reduced Mortgage Insurance – Maximize your buying power
Cash-Out Refinance
A cash-out refinance allows homeowners to tap into the equity they’ve built up in their property and convert it into cash.
Benefits
- Access Your Home Equity – turn equity into usable cash
- No Second Mortgage Needed – one simple loan solution
- Finance Renovations or Expenses – upgrade your home, cover education costs, or consolidate debt
Chapter 13 Bankruptcy Refinance
A Chapter 13 Bankruptcy Refinance can be a powerful tool for homeowners working through bankruptcy.
Benefits
- Consolidate or Pay Off Debt – simplify finances with one manageable loan
- Exit Bankruptcy – refinance can help you complete or dismiss your bankruptcy plan
- Lower Monthly Obligations – reduce debt payments and improve cash flow
Home Equity Line of Credit (HELOC)
A HELOC gives homeowners flexible access to their home’s equity—perfect for funding renovations, consolidating debt, covering education expenses, or handling unexpected costs.
Benefits
- Cash in Hand in Just 5 Days – quick access to funds without delays
- Streamlined Process – fast application with no complex underwriting
- Flexible Debt Solution – ideal for consolidating high-interest consumer debt
Home Equity Loan
A Home Equity Loan allows homeowners to tap into the value of their property with a fixed-rate loan.
Benefits
- Fixed Interest Rate – avoid the uncertainty of variable rate loans
- Keep Your Current Mortgage – no need to refinance your existing loan
- Lump Sum Access – receive all funds upfront for immediate use
No Cost Refinance
A No Cost Refinance option lets you refinance your home without paying any money out-of-pocket for closing costs. Instead, those expenses are covered by the lender.
Benefits
- $0 Out-of-Pocket Costs – no upfront closing expenses
- Instant Savings – lower monthly payments without large fees
- Keep Your Cash – save money for home improvements, tuition, or emergencies
Rate and Term Refinance
A Rate and Term Refinance helps you lower your interest rate and improve your mortgage terms without increasing the balance of your loan.
Benefits
- Lower Monthly Payments – reduce financial stress and free up cash flow
- Lock in a Lower Interest Rate – take advantage of today’s market rates
- Eliminate Mortgage Insurance – save even more each month
Bank Statement Loan
A Bank Statement Loan is designed for self-employed individuals, business owners, or those with non-traditional income sources.
Benefits
- Ideal for Non-Traditional Income Earners
- Simplified Income Verification
- Flexible Loan Options
Bridge Loan
A Bridge Loan is a short-term financing solution that lets you access the equity in your current home to purchase a new one before selling your existing property
Benefits
- Buy Before You Sell – secure your next home without waiting
- 0% Interest + $0 Payments – no immediate financial strain on funds used
- Simplifies Moving – avoid the hassle and expense of relocating twice
ITIN
An ITIN Loan is designed to help non-U.S. citizens achieve the dream of homeownership. With no Social Security Number or visa required.
Benefits
- Homeownership for Non-U.S. Citizens – buy a home using your ITIN
- No Social Security Number Required – flexible qualification
- No Visa Needed – accessible path to home financing
No Income Verification
If you find it difficult to qualify for a traditional mortgage, a No Income Verification Loan can be the perfect solution. This program is an excellent alternative to hard money loans
Benefits
- No Income Verification Required
- No Minimum Credit Scores
- Available to Foreign Nationals
Non-QM
Non-Qualified Mortgage (Non-QM) loans are designed for borrowers who may not fit the strict guidelines of traditional lending programs.
Benefits
- Ideal for Buyers with Large Portfolios
- Qualify with Non-Traditional Income
- Less Documentation Required
Renovation Loan
A renovation loan is the perfect solution for homeowners who want to upgrade or remodel their property while keeping financing simple.
Benefits
- Bundle Renovation Costs with Your Loan
- Flexible Property Options
- Build Equity Faster
Investment Property
Investment property loans are designed for buyers looking to grow wealth through real estate. Whether you’re purchasing your first rental home or expanding your portfolio.
Benefits
- Generate Ongoing Income – earn consistent rental revenue
- Enjoy Tax Advantages – benefit from deductions & write-offs
- Build Long-Term Equity – grow wealth through property appreciation
DSCR
DSCR loans are designed specifically for real estate investors who want to qualify based on property cash flow rather than traditional income verification.
Benefits
- Qualify Using Property Income
- Boost Cash Flow
- Investor-Friendly Financing
Reverse Mortgage
A Reverse Mortgage is a financial product available to homeowners typically aged 62 or older, designed to allow them to convert a portion of their home equity into cash without having to sell their home or make monthly mortgage payments.
Benefits
Access your equity: Homeowners 62+ can turn a portion of their home equity into cash without selling their home or making monthly mortgage payments.
- Get paid, not pay: Instead of paying the lender, the lender pays you—through a lump sum, monthly payments, or a line of credit.
- Flexible repayment: The loan is repaid only when you sell the home, move out permanently, or pass away.
- Important considerations: Reverse mortgages can provide retirement income, but interest accrues over time and may reduce inheritance for heirs.
Talk To A Mortgage Expert
Whether you’re a first-time buyer or purchasing your next investment property, Jeremy Boillot is here to answer all your questions.
- Explore down payment and monthly payment options
- Review credit concerns and solutions
- Understand current interest rates and how they affect your mortgage