fha

A FHA Mortgage is often referred to as the original first time homebuyers mortgage. You can put as little as 3.5% down and the entirety of that can be a gift from a family member. This government backed loan has amazing interest rates and protections for the buyer. If you are looking to buy your first home an FHA mortgage may be a tremendous starting point!

va

VA loans are an amazing option for those who have served this country. If you have a DD214 your qualify! As little as no money down with NO mortgage insurance. If you received a service related disability, thank you for your sacrifice and your service, then you may have no funding fee as well. This program should always be considered if you are a veteran! These are government backed loans with amazing rates below that of conventional loans.

usda

USDA loans are intended for rural development and have income and location limitations but if the location you are looking at is in a USDA eligible area this may be the program for you! Amazing interest rates and a down payment as low as zero percent down!

hecm

A HECM, or Home Equity Conversion Mortgage, also referred to as a Reverse Mortgage, is one of the best mortgage products out there. It allows homeowners over the age of 62, and in some cases 55, to either purchase a new home or access their equity without requiring a monthly principal and interest payment. The amount accessible, or the required down payment, are calculated against the property value/purchase price and the age of the borrowers. There are limited income or credit requirements and can help retirees stretch their income, pensions or investments much much farther!

  jumbo

A jumbo loan is any ‘conventional’ loan that has a higher loan amount than a regular conventional or high balance mortgage. Jumbo programs are just what the doctor ordered when buying an investment property, primary or secondary home that has a higher valuation. Jumbo loans are often more complex and require additional documentation than that other mortgage programs.