Home Loans

---

Great for First Time Homebuyers 

Down Payment Assistance Available for qualified homeowners.

580 FICO + 3.5% Down Payment

550 FICO + 10% Down Payment

Ask about:

FHA Construction & Renovation Loans

The best option for us Veterans & Family.  

580 FICO > 0% Down Payment

550 -579 FICO > 5-10% Down Payment

No Private Mortgage Insurance PMI

Ask about:

VA Construction & Renovation Loans

Meets Fannie Mae & Freddie Mac Guidelines.

620 FICO + 3-5% Down Payment

Ask about:

 Construction Loans

There are multiple options to qualify for a home loan without a W-2: 

Bank Statements (personal or business)

Tax Returns

Asset Depletion.

I have been in your shoes, let's talk.

Tap into the equity of your home to fund your projects.   The funds can be used, repaid and reused as long as access to the credit line is open.  Repayment of 10-30 years, no pre pay penalties.

Options:

Home Equity Loan

Home Equity Line of Credit (HELOC)

High balance loans above  Fannie & Freddie Loan limits (2024 $766,500 in most areas)

700 FICO + 10-20% Down Payment

We have Conventional, VA, FHA, Construction loan options.  

620 FICO >