Loan Programs

We work with multiple lenders and we can provide our clients with extremely competitive pricing. Now you can do all your comparison shopping with one company without wasting time with several banks or brokers.

Fixed Loan

As Low As 5% Down

  • 30-, 25-, 20-, 15- and 10-year terms available

  • Buy a home with as little as 5% down (primary home).

  • Refinance up to 95% of your primary home's value

Adjustable Loan

As Low As 3.5% Down

  • 3/1, 5/1, and 7/1 ARMs. Monthly payments based on a 30 year repayment schedule

  • As little as 3.5% down

  • The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.

FHA Loan

As Low As 3.5% Down

  • 3.50% minimum down payment required on purchase.

  • Minimum credit score usually 620.

  • Post-bankruptcy qualifying - 2 years after.

  • Post-foreclosure qualifying - 3 years after.

Zero Closing Cost


  • The lender pays full origination fees to broker which means ZERO points to you!

  • ALL of your closing cost FEES are covered from a lender credit which means no money from you!

  • We can even refund you the Appraisal Fee.

Self Employed

Credit Scores As Low As 620

  • 12 Month Bank Statement Programs to calculate income

  • Higher Debt-to-income ratios up to 50%

  • Flexible credit standards for derogatory history

Foreign National

US Credit Not Required

  • Borrower up to 80% of the value of the home

  • Loan amounts up to Super Jumbo

  • Cash out up to 70% of the value of the home

Bad Credit Loans

As Low As 20% Down

  • Credit scores as low as 500

  • Flexible credit standards for derogatory history

  • No prepayment penalties

VA Loan

As Low As 0% Down

  • Exclusive benefits for military and veterans.

  • Higher allowable debt-to-income ratios than for many other loans.

  • Competitive interest rates that are routinely lower than conventional rates.

Are you ready to get started?

Find out about your options today! It's a great time to purchase or refinance so get your free no-obligation rate and closing cost analysis.