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Loan Options

We help find the right fit for you.

The mortgage industry is constantly updating loan types, programs, and guidelines.  From first-time homebuyers to jumbo loan programs for doctors and physicians, the options seem endless.  However, finding the right loan for you takes experience and knowledge.  Our goal is to find the right loan options to set you up for success.

Real estate agent handing keys to new homeowners


Flat in California eligible for a conventional loan

Fannie Mae and Freddie Mac set guidelines around conventional conforming loans.  Every year a new limit is set for the maximum conforming loan amount. 


Loan programs available include First-time Homebuyer, Renovation, HomeReady, Home Possible, and more.  Fixed rate and adjustable-rate (ARM) loan options are available.


Expensive modern home eligible for jumbo loan

When the loan amount exceeds the national conforming limit, it becomes a Jumbo loan.   Jumbo loans, also known as non-conforming, do not specifically follow Fannie Mae or Freddie Mac guidelines.  Jumbo loans typically have more rules within guidelines and can be underwritten in accordance with a specific investor.

Loan programs available include purchase options with as little as 10% down.  Fixed rate and adjustable-rate (ARM) loan options are available.


Suburban homes available for low down payment with an FHA loan

FHA loans are government-backed loans (Federal Housing Administration), which is regulated by HUD (Department of Housing and Rural Development).  If you are looking to purchase a home with a low down payment, below-average credit, or an inability to cover closing costs, than an FHA loan may be right for you.

Fixed rate and adjustable-rate (ARM) loan options are available.


Veterans or service members are eligible for VA loans.

Eligible veterans, service members, or surviving spouses can benefit greatly with VA loan.  Backed by the Department of Veterans Affairs, a VA loan can provide you purchase your first home, next home, or refinance an existing VA loan (IRRRL).  With as little a 0% down, you may be eligible to purchase your first home using your VA benefits (known as VA entitlement).

Fixed rate and adjustable-rate (ARM) loan options are available.


Home in a rural area that is eligible for a USDA loan

If you have low-to-moderate income, and looking to purchase a home in a rural area, a USDA may be the right loan option for you.  Along with VA loans, a USDA loan allows you to put as little as 0% down.  USDA loans are backed by the United States Department of Agriculture (USDA) and typically have a lower interest rate than conventional conforming loans.

Fixed rate and adjustable-rate (ARM) loan options are available.





Conforming loan limits are set by the Federal Housing Finance Agency.  Maximum loan limits vary based on location.


Rate will vary,  All loans are subject to credit approval. Interest rates are subject to change daily and without notice.

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