Purchase
Products
We understand what a monumental moment purchasing a home is and believe it should be exciting not stressful. We will guide you throughout the purchase process from start to finish educating you along the way, so you can choose the best option for your individualized needs and goals.
We have access to numerous products and programs allowing us to provide a diverse range of options to meet your individualized needs and goals with the lowest fees and best rates in the industry.
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We work with a network of experienced real estate agents in your area that would love the opportunity to assist you.
Conventional
Conventional loan programs are designed for borrowers with good to excellent credit profiles. These programs have stricter credit and income qualifications.
Program Highlights:
- Down payment options as low as 1%
- Mortgage insurance not required with 20% down
- Mortgage insurance ends when you obtain 20% equity
- Mortgage insurance is usually less when compared to FHA financing
If you have an excellent credit profile and/or able to make a larger down payment, then conventional financing may be for you.
FHA
FHA loan programs are designed for individuals that have a less than excellent credit profile. These programs have less strict credit and income guidelines.
Program Highlights:
- Down payment as low as 3.5%
- Relaxed credit requirements and income requirements
- May be assumable
- Can be assumable
- The ability to include the costs of home improvements in your financing
If you have less than an excellent credit profile and/or are not in a position to make a larger down payment, then FHA financing may be for you.
VA
VA loans are mortgage loans designed for service members, veterans, and eligible surviving spouses.
Program Highlights:
- No down payment requirement 100% financing
- Relaxed credit and income requirements
- May be assumable
- Mortgage insurance is not required
If you are a service member, veteran or eligible surviving spouse then VA financing may be for you.
USDA
USDA programs are designed for individuals seeking home ownership in an eligible rural area and have low to moderate income.
Program Highlights:
- No down payment requirement 100% financing
- Relaxed credit and income requirements
- Minimal mortgage insurance
If you are seeking a home in an eligible rural are and have low to moderate income then USDA financing may be for you.
Jumbo
Jumbo programs are for individuals seeking financing needs that exceeds county limits set forth by Fannie Mae and Freddie Mac. If you are not located in a high cost area as determined by Fannie Mae and Freddie Mac and are looking for financing in excess of $484,350.00 than a jumbo program may be for you.