Fixed rate: 30, 25, 20, 15 & 10 year
Your rate and principal-and-interest payment stay the same for the life of the loan. Predictable, easy to budget, and protected from rising rates.
Purchase
Buy with a loan built around you.
Buying a home is one of the biggest financial moves you’ll make, and how the loan is structured matters as much as the price. We look at your income, credit, assets, and long-term goals, then customize the financing to fit you.
Most people think a mortgage is one-size-fits-all. It isn’t. We look at the full picture and shape the loan to fit you.
Loan programs
Options for every kind of buyer.
Fixed rate: custom term
Choose a term that fits your goals, like 28, 24, or 18 years, instead of the standard 15 or 30. Same stability, tailored payoff.
Adjustable rate (ARM)
A fixed rate for an initial period, then periodic adjustments. Can suit buyers who expect to sell or refinance before the first adjustment.
FHA loans
Government-backed loans with lower down payment options and flexible credit guidelines.
VA loans
Designed for eligible veterans, active-duty service members, and their families, with flexible qualification.
USDA loans
Government-backed loans for eligible homes in qualifying rural and suburban areas, with no down payment required for qualified buyers.
Jumbo loans
For homes above conventional loan limits: primary residences, vacation homes, and investment properties.
DSCR investor loans
Qualify based on the property’s rental income rather than your personal income. Built for real estate investors.
Bank statement loans
For self-employed borrowers and business owners who qualify using bank deposits instead of tax returns.
Foreign national loans
For non-U.S. citizens buying a second home or investment property without U.S. credit history.
Hard money loans
Short-term, asset-based financing for fix-and-flips, fast closings, and deals that don’t fit traditional guidelines.
Commercial loans
Financing for business and income-producing properties such as multifamily, mixed-use, retail, and office buildings.
The process
From first question to keys in hand.
01
Talk through your goals
Price range, timing, monthly comfort zone. We start with what matters to you.
02
Get pre-approved
We review your documents up front so you can shop and make offers with confidence.
03
Compare your options
We search across lenders and walk you through the trade-offs in plain language.
04
Close on time
We coordinate with your agent, the appraiser, and title so closing day goes smoothly.
Your next move
Let’s find the right
Let’s find the right
loan for you.
Apply online and we’ll review your file and call you with real options within 24 hours. Not ready yet? Answer a few quick questions and we’ll reach out.