Loan Programs

Conventional 3% down payment program: This program offers an option unlike no other. A 6% seller assistance is allowed and can be used toward closing costs, normally paid for by the buyer.

Our NEW exclusive FHA 100% financing program offers a no money down option with no 1st Time Homebuyer requirements or a maximum income ceiling for buyers needed to qualify. A 6% seller assistance is allowed to be used toward closing costs, normally paid for by the buyer. 600 is the minimum credit score needed to qualify for this program.

VA offers a no down payment option for Veterans and their spouses. A 6% seller assistance is allowed and can be used toward closing costs, normally paid for by the buyers.

We offer Rehab loans to finance both the cost of a home in addition to the cost of renovations in order to combined into one loan. BUILDER LOT FINANCING AND DRAW-STAGE CONSTRUCTION LOANS ( 1 closing done up front).  These are the typical builder loans where the bank holds the monies in escrow and pays the builder during each stage of construction.  Since the closing is done prior to the start of construction,  the interest rate is locked in and fixed up front.  You can relax and know what your payment is going to be every month once the home is built.  Interest only payments are paid during the construction process, and the permanent mortgage payment automatically kicks in at the end of the construction period.   Building permits are required prior to the start of construction. Commercial loan financing to purchase mixed-use and apartment buildings including 5+ units.