Read about our different lending programs
FHA Loan
These mortgages are insured by the Federal Housing Administration and designed to help homebuyers with lower credit scores or less cash for a down payment. FHA loans generally have more flexible qualification requirements, allowing buyers to put down as little as 3.5%.
VA Loan
Guaranteed by the U.S. Department of Veterans Affairs, VA loans are a benefit for eligible military service members, veterans, and surviving spouses. They typically don’t require a down payment or private mortgage insurance, making homeownership more accessible for those who’ve served.
Renovation Loan
A renovation loan combines the cost of buying or refinancing a home with funds set aside for repairs and improvements, all in one mortgage. This allows borrowers to base their loan amount on the projected “after-improved” value of the property, rather than its current condition. By bundling renovation costs with the mortgage, homeowners can streamline financing and potentially increase their home’s value without taking out separate loans.
Home Equity Line of Credit
is a revolving line of credit that lets homeowners borrow against the equity in their property. You can draw funds as needed up to a set limit and only pay interest on the amount you use. One key benefit is its flexibility, making it ideal for expenses like renovations, tuition, or consolidating higher-interest debt.