We have many Mortgage products to choose from, rather you are purchasing a home or needing to refinance or just pull cash out from your equity. We can help with any mortgage needs.

Conv Loans - Fannie Mae and Freddie Mac guidelines - 30yr, 20 yr, 15yr, 10yr terms, Includes Owner occupied, Non-Owner Occupied, 1-4 Unit properties. 1st time Homebuyer programs available. Down payment options - 3% minimum. Includes mortgage insurance for any down payment lower than 20%.

FHA Loans - Includes 30yr, 20 yr, 15yr, 10yr terms, Includes Owner occupied, 1-4 Unit properties. Non-owner properties not allowed. 1st time Homebuyer programs available. Down payment options - 3.5% minumum. Includes Mortgage Insurance for all FHA loan Products. Down Payment Assistance available as well.

VA Loans - Includes 30yr, 20 yr, 15yr, 10yr terms, Includes Owner occupied, 1-4 Unit properties. Non-owner properties not allowed. 1st time Homebuyer programs available. Down payment options - 100% financing with no Mortgage Insurance.

Non-QM - Loans - these loans are non-traditional loans for borrowers that are unable to show proof of income with W-2’s or tax returns. These programs can use bank statements to show proof of income.

DSCR loans - (Debt Service Coverage Ratio) - Non Owner Occupied properties only - Is calculated by takiung net operating income and dividing it by total debt service.

HELOC - (Home Equity Line Of Credit) 2nd mortgage taken from a primary residence. Very popular these days. Allows the homeowner to continue enjoying their low interest rate on their first mortgage and take cash out from their home equity seperately.

Reverse Mortgage - A Home Equity Conversion Mortgage (HECM), the most common type of reverse mortgage, is a special type of home loan only for homeowners who are 62 and older. A reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan. The homeowner will not have to make monthly mortgage payments for the life of the loan.