Conventional
Conventional
The most common path. As little as 3% down. PMI removable at 20% equity.
As little as 3% down
Fixed or adjustable
PMI removable at 20% equity
Pre-approved by lunchtime. Closed on schedule.
A pre-approval letter that holds up in a competitive offer, a loan officer who stays with you from contract to keys, and an in-house title company that doesn't slow anything down.
Programs we close
Every program you'd want.
FHA
FHA loan
Federal Housing Administration backing. Lower credit requirements, smaller down payment — strong fit for first-time buyers.
3.5% minimum down
Flexible credit requirements
First-time buyer friendly
VA
VA loan
For eligible veterans, active-duty members, and spouses. Zero down, no PMI, exceptional terms.
Zero down payment
No PMI
Competitive rates
USDA
USDA loan
Zero down in eligible rural areas. Low mortgage insurance. Income limits apply.
Zero down payment
Low mortgage insurance
Eligible rural areas only
Investor
DSCR loan
Qualify on rental income, not personal. No tax returns. For investment purchases only.
Qualify on rental income
No W-2s or tax returns
Close in an LLC