FHA loans are great for buyers with lower down payments and are sometimes easier to qualify for than a conventional loan. Minimum length of self-employed borrowers.

•  100% loan-to-value financing!
• 540 to 800+ FICO’s
• Down Payment Assistance covering up to 3.5%
• Seller contributions up to 6% / Gift funds allowed
• Self-Employed Borrowers – OK

VA Home Purchase Loan Programs

 You served our country. Let us serve you with a VA Purchase loan. We can close your loan in as little as 15-20 days. Remember, after your purchase, the VA can qualify you for an Interest Rate Reduction Loan (IRRL) in the future, when rates are lowered, for additional monthly savings.

• 100% loan-to-value financing!
• 550 – 800+ FICO’s
• Self-Employed Borrowers – OK
• VA Home Purchase limits for 1 – 4 Unit homes have increased for the year 2023
• Seller contributions up to 6% / Gift funds allowed

USDA Home Purchase Programs

USDA loans can help put the American Dream within reach. Purchase a rural home with no money down. The home to be purchased must be in an eligible rural area defined by the USDA.
 

• 100% loan-to-value financing!
• 620 – 800+ FICOs and 640 – 800+ FICOs if Manufactured Home
• Self-Employed Borrowers – OK
• Potentially roll closing fees into your monthly payment
• Property must be in an eligible rural area or an area that was eligible at the time of the original loan closing

Conventional Home Purchase Loan Programs

Do you know that conventional conforming loan limits have increased for 1–4-unit properties?

• Up to 100% loan-to-value financing!
• 620 – 800+ FICO’s
• Self-Employed Borrowers – OK
• 105% Combined Loan-to-Value (LTV) with Community Seconds+
• 85% LTV on non-owner occupied (NOO) purchases

Jumbo Home Loan Purchase Programs

• Loan amounts up to $3 Million
• Available for Primary, 2nd Homes, and Investment properties
• Gifts allowed
• Debt-to-Income ratios up to 45%
• Loan-to-Value up to 85%
• Minimum FICO down to 660