• Home Purchase Loans

Available Loan Options

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  • Conventional Loans

    Fixed and ARM’s

    • Max LTV (loan to value) up to 97% for fixed loans, 95% LTV on ARM’s
    • Down payment can be all gifted on purchases
    • Non occupying co borrower’s allowed
    • Fannie Mae HomeReady and Freddie Mac Home Possible

  • FHA Loans

    • 3.5% Down (96.5% LTV)
    • Gifts allowed
    • HUD $100 Down program for eligible properties
    • Manual underwrite available for certain scenarios
    • Credit scores as low as 500

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  • Renovation Loans

    Conventional and 203k (FHA)

    • Combine purchase price with renovation costs
    • Renovation costs limited to 50% of estimated future value of the home
    • Appliances and luxury items can be included in most cases

  • VA Loans

    • The best VA loan terms in the industry!
    • VA purchases
    • VA jumbo loans over $1 million
    • VA funding fee waived if veteran is disabled (no minimum percentage)

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  • Construction Loans

    • As little as 10% down (90% LTV)
    • One time close
    • Construction period up to 12 months
    • Tear Down and rebuild is permitted

  • Investment Property Loans

    Conventional and Conventional Renovation

    • Up to 10 properties per borrower
    • Market rent used as income for subject property even if subject in not rented

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  • Second or Vacation Home Loans

    • No rate bump. Same rate as primary residence
    • As little as 10% down (90% LTV)

  • Doctor Program

    • Future employment contract used as income
    • Eligible borrowers include medical residents as well as new and established doctors

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  • USDA Loans

    • 100% financing, zero down payment
    • Property must be in a USDA eligible location
    • Buyer must meet income and credit guidelines