RESIDENTIAL LOAN OPTIONS
Navigating residential mortgages requires clear choices tailored to your credit profile, available capital, and immediate move-in timeline. Explore our core residential financing paths designed to fit every stage of homeownership.
RESIDENTIAL LOANS
FHA LOANS
Insured by the Federal Housing Administration, FHA loans offer an accessible gateway to homeownership for buyers seeking modest down payments or working with developing credit scores.
RESIDENTIAL LOANS
VA LOANS
Guaranteed by the U.S. Department of Veterans Affairs, VA loans provide extraordinary home financing benefits to eligible veterans, active-duty service members, and surviving spouses as a token of service.
- $0 Down Payment: Finance 100% of the home purchase price without upfront equity requirements.
- No Monthly Mortgage Insurance: Lower monthly obligations compared to FHA or low-down-payment conventional loans.
- Competitive Rates & Capped Closing Fees: Government backing ensures consistently low interest rates and reduced fee limits.
RESIDENTIAL LOANS
USDA Loans
USDA Loans are insured by the U.S. Department of Agriculture. These loans offer 0% down payment mortgage loan options. Engineered to promote homeownership in growing communities outside major urban centers, USDA loans combine low upfront costs with reduced ongoing mortgage insurance fees.
- Zero Down Payment: Finance up to 100% of the home’s appraised value without saving for a traditional down payment.
- Flexible Credit Requirements
* Properties must be located in a USDA-eligible rural or suburban area.
RESIDENTIAL LOANS
Bridge LoanS
In fast-moving real estate markets, waiting for your current home to sell before making an offer on a new property can mean missing out on your next ideal home.
A bridge loan is a short-term financing option that provides immediate cash for the purchase of a new home that is typically move-in ready. In some cases, small repairs can be included with this type of loan. We offer 6 and 12 month terms.
- Capitalize on Existing Equity: Tap into the net equity of your current home to finance the down payment and closing costs on your new residence.
- Short-Term Flexibility: Short payback terms designed to be repaid immediately upon the successful sale and closing of your former home.
RESIDENTIAL LOANS
JUMBO HOME LOANS
When your dream home exceeds standard conventional loan boundaries, a Jumbo Loan provides the large-scale financing solution you need. Tailored specifically for luxury residences, custom builds, and properties in high-cost real estate markets, Jumbo loans allow you to secure significant loan amounts under a single primary mortgage.
- Higher Borrowing Limits: Access financing that surpasses FHFA conforming loan limits ($832,750+ in standard areas and over $1.2M in high-cost markets).
- Capped at $3 million.
