Purchase
Conventional
Agency-backed financing for borrowers with documented income and a clean credit profile.
- · Primary, second home, or investment
- · Competitive pricing when guidelines fit
- · Fixed and adjustable structures
Purchase
Loan programs for buying a primary home, second home, or investment property.
Purchase
FHA
Lower down payment and more flexible credit for owner-occupied purchases.
- · Low down payment
- · Owner-occupied focus
- · Condo and SFR options
Purchase
VA
Financing for eligible veterans, service members, and surviving spouses — often with no down payment.
- · Often 0% down
- · No monthly PMI
- · Owner-occupied
Purchase
3% down
Agency and specialty programs that keep cash to close lower for qualified buyers.
- · Lower cash to close
- · First-time and repeat buyers
- · Income limits may apply
Purchase
Jumbo
Financing above conforming loan limits for higher-value primary homes, second homes, and select investments.
- · Above conforming limits
- · Second-home options
- · Relationship pricing possible
Purchase
Condo
Warrantable and, when needed, non-warrantable condo financing for owner-occupants and investors.
- · Project review included
- · Warrantable and non-warrantable paths
- · Primary or investment
Purchase
Co-op
Share-loan financing for cooperative apartments where the lender must accept the building’s rules.
- · Co-op board and lender review
- · Primary and some investment
- · Experience with share loans
Purchase
Accessible conventional
Conventional programs designed for qualified buyers with modest down payments and education requirements.
- · Lower down payment conventional
- · Homebuyer education may apply
- · Income limits in some markets
Purchase
Renovation purchase
Finance the home and the work in one loan when the property needs more than cosmetic paint.
- · Purchase plus rehab in one close
- · FHA and conventional-style options
- · Contractor and budget review
Ready to structure a file that can actually close?
Tell us the purpose, the property, and how you document income. We will place the request with a program that fits — this is not a loan approval.