Worry less with our 30 years fixed rate conventional loan. Why?  Because your rate will be locked for 30 years and will be paid off if all 30 years payments are made on time and ask us if you qualify for 3% down.

So with 15 years fixed conventional, you get the lowest rates in the market, also you can pay off your home in half the time. As a result, you will pay much less in interest.

If you need the lowest rate for a short period of time, ask us about adjustable rate mortgage. Adjustable rate has a locked rate for certain period of time, per example: 3/7 it will be locked for 3 years then it will become variable after 3 years. In Conclusion, this will be a great fit for a short time refinance or purchase.

FHA is backed by the Federal Housing Administration. Enjoy as low as 3.5% down and while receiving the most competitive rates in the market. This program is a good fit for some first time home buyers. It is also available in different terms (5, 10, 15, and 30 years).

VA loans are designed for veterans, qualified service members and their spouses. You can finance as much as 100% of the loan and they work for both purchase and refinance.

Client who reside in rural areas and suburban areas, qualify for this mortgage with as low as 0 down and also this loan is backed by the US. Department of Agriculture.

If you are looking to buy a house above the conventional limit, Jumbo loan is the right option for you. They require a minimum of 10.01% down with NO PMI.

Looking to buy a primary or investment property but your DTI is too high? In Short, NON-QM loans will be the right choice for you because they will use your income to qualify with a minimum of 15% down. Ask us if you qualify for a NON-QM loan.