Conventional

A conventional home loan is not insured or guaranteed by the federal government. Depending on whether a conventional loan meets the financing limit standards of the Federal Housing Finance Agency (FHFA), it may be categorized as conforming or non-conforming. If you are looking for a conventional loan, contact our team today to talk to a mortgage lender near you.

FHA

FHA loans are mortgage home loans that are insured by the Federal Housing Administration (FHA). They are sometimes referred to as government loans. FHA mortgage insurance protects the lender (not the borrower) if a borrower defaults on the FHA loan. This insurance enables a lender to provide loan options and benefits often not available through conventional financing.

Veterans Affairs (VA)

VA loans are government mortgage loans guaranteed by the Department of Veterans Affairs (VA) for qualified veterans of U.S. military forces. If you are a veteran looking for a VA loan, our team is here to serve you.

Non-Qualified Mortgage (Non-QM)

Non-QM loans do not fit into the restraints of government lending standards for Qualified Mortgages, known as Prime, Agency, or A-Paper Lending.

These loans are also known as temporary or fixer loans — non-QM borrowers are on their way to Prime but need a little help before they qualify. Non-QM loans are typically made to borrowers with one or more past credit events, such as foreclosure, bankruptcy, short sale, late payment, collection, and charge-off.

Non-Conforming

This mortgage loan is not eligible for sale to Fannie Mae and Freddie Mac, typically because the loan amount is too large. Fannie Mae and Freddie Mac are government enterprises that invest in mortgage loans. However, they are only able to purchase conforming loans that meet standard requirements. As a result, non-conforming loans are often sold on the secondary market to private investors or held in the lender’s portfolio as an asset.

VA, USDA, and FHA loans typically fall into this category.

Fixed Rate

A fixed-rate loan is a home loan with a predetermined fixed interest rate for the entire term of the loan. While interest rates may be very low today, they won't stay low forever. To take advantage of low interest rates and explore our fixed-rate loans, call a mortgage lender near you at 855-853-1522 today.

Reverse Mortgages

When you have a regular mortgage, you pay the lender every month to buy your home over time. In a reverse mortgage, you get a loan in which the lender pays you. Reverse mortgages use part of the equity in your home and convert it into cash income. The money you get is typically tax-free. Most of the time, you don’t have to pay back the money for as long as you live in your home. When you die, sell your home, or move out, you, your spouse, or your estate must repay the loan.

USDA

This program assists approved lenders in providing low- and moderate-income households the opportunity to own adequate, safe, and sanitary homes in eligible rural areas. If you are an eligible applicant, you may build, rehabilitate, improve, or relocate a dwelling in an eligible rural area. The program provides a 90% loan note guarantee to approved lenders in order to reduce the risk of extending 100% loans to eligible rural home buyers.

Adjustable Rate Mortgages

When you choose an adjustable-rate or home equity loan, your interest rate and monthly payments may change periodically during the life of the loan. Depending on how long you hold the loan, your interest rate will reset at certain intervals to match current market rates. Lenders may charge a lower interest rate for the initial period of the loan. Most ARMs have a rate cap that limits the amount the interest rate can change, both in an adjustment period and over the life of the loan.