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Loan Products & Programs:

30-Year Fixed Mortgage​

This is the most common mortgage. You get steady, predictable payments over 30 years, which keeps your monthly bill lower than a 15-year loan. You’ll pay more interest over time, but your budget will thank you.

15-Year Fixed Mortgage​

Think of this as the “hustle mode” mortgage. You pay off your home in 15 years instead of 30, meaning higher monthly payments but less interest paid overall. Perfect if you want to own your home faster and don’t mind bigger payments.r

FHA Home Loan​

With low down payments (as little as 3.5%) and flexible credit requirements, the FHA loan is perfect for first-time buyers or those with less-than-perfect credit. The catch? You’ll pay mortgage insurance (PMI).

Adjustable Rate Mortgage (ARM)​

With an ARM, your interest rate starts low, but it can change over time based on the market. The first few years are usually fixed, then it adjusts (aka, could go up or down). Great if you plan to sell or refinance before the rate adjusts..

Investment Property Loan​

Buying a rental or investment property? This loan is designed for landlords and real estate investors. Typically requires higher down payments & stricter approval, but it’s how you start building wealth through real estate.

Reverse Mortgage​

If you’re 62 or older, a reverse mortgage lets you cash out your home equity without monthly payments. The loan gets paid back when you sell the home, move, or pass away. Basically, your home pays you back for all those years of ownership.

Rehab Loan​

Buying a home that needs some TLC? A rehab loan (like an FHA 203(k)) lets you finance the purchase & renovation costs in one loan. Perfect for turning that “needs some work” home into your dream home.

USDA Loan​

The USDA loan is a government-backed mortgage for buying in rural & eligible suburban areas—and it requires no down payment! Designed for moderate to low-income buyers who qualify.

Bridge Loan​

Selling one home and buying another? A bridge loan gives you short-term cash to cover the gap between selling your old home and buying a new one. It’s like a real estate life raft to keep things moving smoothly.

Jumbo Home Loan

If you’re buying a high-priced home that’s too expensive for a conventional loan, you need a jumbo loan. These loans cover luxury & high-value homes, but they require strong credit & larger down payments.

REFINANCE

Refinancing involves replacing your existing mortgage with a new one, typically to secure a lower interest rate, adjust the loan term, or access cash from your home's equity..

Home Equity Line of Credit (HELOC)

A HELOC is a revolving line of credit that allows you to borrow against the equity in your home. It functions similarly to a credit card, providing flexibility to draw funds as needed up to a predetermined limit during the draw period, which typically lasts 10 years.