Buy with confidence.
With guidance from experienced local mortgage professionals and access to top lenders nationwide, you can shop confidently knowing you’re getting expert advice and the best loan for your needs at the lowest possible cost.
Mortgage Products
Conventional
Conventional loans are a versatile financing option with flexible down payment choices and strong long-term value. They’re ideal for buyers looking for competitive rates and a straightforward path to homeownership.
Jumbo
Jumbo loans are designed for higher-priced homes that exceed conventional loan limits. They offer flexible terms and competitive options for qualified buyers looking to finance luxury or high-value properties.
Bridge Loan
A bridge loan helps buyers purchase a new home before selling their current one. It provides short-term financing that creates flexibility and allows you to move forward confidently without waiting on a sale.
Physician
Physician loans are tailored for medical professionals, offering flexible terms that accommodate student loan debt and career growth. These programs often provide low or no down payment options to help doctors buy sooner.
FHA
FHA loans are designed to make homeownership more accessible, offering flexible credit guidelines and low down payment options. They’re a great choice for first-time buyers or anyone looking for a more forgiving path to purchasing a home.
Renovation
A renovation loan allows you to finance both the purchase of a home and the cost of improvements in a single loan. It’s a great option for buyers who want to customize a home or turn a fixer-upper into their ideal space.
Bank Statement
Bank statement loans offer a flexible option for self-employed buyers who don’t qualify using traditional income documentation. Instead, income is verified through bank statements, creating a smoother path to homeownership.
ITIN (No SSN)
ITIN loans help buyers without a Social Security number purchase a home using an Individual Taxpayer Identification Number. This program creates opportunities for homeownership for qualifying buyers with alternative documentation.
VA
VA loans offer an incredible homebuying benefit for eligible service members, veterans, and surviving spouses. With no down payment options and flexible guidelines, VA financing makes it easier to purchase a home while keeping monthly payments manageable.
Asset Qualifier
Asset qualifier loans allow buyers to qualify based on their liquid assets rather than traditional income. This option works well for retirees or high-net-worth individuals with strong savings or investment portfolios.
Non-Warrantable Condo
Non-warrantable condo loans provide financing options for condos that don’t meet traditional lending guidelines. This program helps buyers purchase unique or investor-heavy condo properties that might otherwise be difficult to finance.
USDA
USDA loans help make homeownership more accessible in eligible rural and suburban areas. With no down payment options and affordable financing terms, this program is a great fit for buyers looking to purchase a home with less upfront cost.
Down Payment Assistance
Down payment assistance programs help reduce the upfront cost of buying a home. These programs can provide grants or low-interest loans to make homeownership more attainable for qualifying buyers.
Debt Service Coverage Ratio
DSCR loans are designed for real estate investors and focus on a property’s income potential rather than personal income. Qualification is based on rental income, making it easier to expand an investment portfolio.
Frequently Asked Questions
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Getting started is simple. The first step is a quick conversation to understand your goals, followed by a mortgage pre-approval so you can shop for a home with confidence.
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A pre-approval shows how much you can borrow based on your income, credit, and assets. It strengthens your offer and lets sellers know you’re a serious, qualified buyer. Sellers often favor offers backed by a respected local lender.
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Your budget depends on your income, debts, credit profile, and down payment. We help you determine a comfortable monthly payment and loan amount that fits your financial goals so you can shop with confidence.
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The process includes pre-approval, home shopping, loan application, underwriting, and closing. We guide you through each step so there are no surprises along the way.
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Most borrowers provide income documents, asset statements, and identification. We’ll give you a clear checklist upfront to make the process smooth and stress-free.
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We compare multiple loan options across top lenders to find the program that best fits your goals whether that’s the lowest monthly payment, lowest down payment, or most flexibility.
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Your credit score can impact your interest rate, loan options, and overall cost of your mortgage. Higher scores often qualify for better terms, while lower scores may still have options available. We review your credit and help you identify the best path forward based on your goals.
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In addition to your down payment, you may have closing costs such as lender fees, title services, and prepaid taxes or insurance. We review all costs upfront so you know what to expect.