Conventional Loans

• As low as 0% down
• Loan amounts up to conforming limits
• Minimum credit score 620
• 30, 25, 20, and 15-year fixed options
• Available for 1–4 unit properties

1st Time Homebuyer Options

• Low or zero down payment
• Low interest rates
• No income limits
• No Mortgage Insurance

VA Loans

• As low as 0% down
• No loan limits with full entitlement
• Minimum credit score 580
• No monthly PMI
• For eligible veterans and active military

FHA Loans

• As low as 0% down
• Minimum credit score 580
• 30-year fixed rates
• Available for 1–4 unit properties

USDA Loans

• As low as 0% down
• Minimum credit score 600
• Property must be in eligible rural area
• Income limits apply

Jumbo Loans

• As low as 5% down
• Loan amounts up to $2,000,000
• Minimum credit score 700
• 30 and 15-year fixed options

100% Conventional with no PMI

• No down payment required (100% financing)
• Minimum credit score of 680
• No Mortgage Insurance (PMI) required
• Income limits apply

100% FHA

• No Down Payment
• No income limits
• Do not need to be a 1 time homebuyer

100% Doctor Loan

• Down payment as low as 10%
• No Mortgage Insurance
• 1-4 Unit owner occupied
• Loan amounts up to $2,000,000
• Minimum credit score 620
• Do not have to count deferred student loans

5% Down Construction Loan

• As low as 5% down
• Minimum credit score 660
• Interest rate lock options available
• Flexible draw schedules
• Interest-only payments during construction

5% Down Renovation Loans

• Down payment starting at 5%
• Conventional fixed-rate loan structure
• Finance both purchase and renovation costs in one loan
• Minimum credit score typically around 620

Bank Statement Loans

• As low as 10% down
• Minimum credit score 680
• Designed for self-employed borrowers
• Qualification based on 12 or 24 months of bank statements
• No mortgage insurance

No-Doc Investor

Loans

• Minimum loan amount $150,000
• Minimum credit score 640
• Qualification based on property cash flow
• No limit on number of properties owned
• Available in most states

Self-Employed Alt Doc

• Down payment as low as 10%
• Minimum credit score 660
• Designed for self-employed
• Qualified with one of the following:
• 12 months bank statements
• 1099 income
• Profit & Loss from CPA(unaudited)

Reverse Mortgages

• Available to homeowners age 62 or older
• No credit score required
• Convert home equity into liquidity
• No required monthly mortgage payment