Loan Options

The right loan for your situation.

Every borrower is different. I'll walk you through your options and help you choose the loan that fits your goals — not just what's easiest to sell.

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Most Popular

Conventional Loan

The most common mortgage type. Ideal for buyers with good credit and a stable income. Down payments as low as 3% for qualifying borrowers.

  • Down payment as low as 3%
  • Competitive interest rates
  • No upfront mortgage insurance
  • Flexible loan terms: 10, 15, 20, or 30 years

Best For

Buyers with 620+ credit score and steady income.

Great for First-Time Buyers

FHA Loan

Backed by the Federal Housing Administration. More flexible credit requirements and lower down payments make this a go-to for first-time buyers.

  • Down payment as low as 3.5%
  • Credit scores as low as 580
  • Higher debt-to-income ratios allowed
  • Gift funds accepted for down payment

Best For

First-time buyers or those rebuilding credit.

For Veterans & Active Military

VA Loan

Exclusively for eligible veterans, active-duty service members, and surviving spouses. One of the best mortgage products available — period.

  • $0 down payment required
  • No private mortgage insurance (PMI)
  • Competitive rates
  • Easier qualification standards

Best For

Veterans, active-duty military, and eligible surviving spouses.

For Real Estate Investors

DSCR Loan

Qualify based on the rental income of the property — not your personal income. Ideal for real estate investors who want to grow their portfolio without the hassle of traditional income verification.

  • No personal income or employment required
  • Qualify using property cash flow
  • Short-term & long-term rentals eligible
  • Available for 1–4 unit investment properties

Best For

Real estate investors looking to scale without income documentation.

For High-Value Homes

Jumbo Loan

For loan amounts that exceed conventional conforming limits. Designed for buyers purchasing higher-priced homes who need more financing flexibility.

  • Loan amounts above $832,750
  • Competitive rates for strong borrowers
  • Various term options
  • Primary, second home, and investment properties

Best For

Buyers financing luxury or high-cost market properties.

Lower Your Rate or Payment

Refinance

Already own a home? Refinancing can lower your rate, reduce your monthly payment, shorten your loan term, or tap into your home's equity.

  • Rate & term refinance
  • Cash-out refinance up to 80% LTV
  • Streamline refinance options (FHA/VA)
  • Typically closes in 2–3 weeks

Best For

Homeowners looking to save money or access equity.

Not Sure?

Not sure which loan is right for you?

That's exactly what I'm here for. Tell me about your situation — your goals, your timeline, your credit — and I'll lay out your real options clearly. No pressure, no obligation.

Quick Comparison

Conventional3%+620+If < 20% down
FHA3.5%+580+Required
VA0%FlexibleNone
DSCR20%+620+None
Jumbo10%+700+Varies
LoanMin DownMin CreditPMI

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