Start Your Home Ownership Journey

We offer a variety of loan options, including conventional loans, FHA loans, VA loans, and USDA loans. Each has different requirements and benefits, and we’ll work with you to determine which is best suited for your needs.

For investment properties, we offer conventional loans, portfolio loans, and Debt Service Coverage Ratio (DSCR) loans. DSCR loans are particularly useful for investors, as they allow you to qualify based on the property’s income potential rather than your personal income.

When financing a fix-and-flip property, consider using a DSCR loan or a short-term loan designed for investors. Important factors include the property’s after-repair value (ARV), the cost of renovations, and the potential rental income if you decide to hold the property instead of selling it immediately. Also, ensure you have a solid exit strategy for the investment.

Conventional loans typically require higher credit scores and larger down payments but offer more flexibility in terms of loan amounts and property types. FHA loans, backed by the government, are more accessible to borrowers with lower credit scores and smaller down payments but require mortgage insurance premiums (MIP) for the life of the loan.

VA loans are designed for veterans, active-duty service members, and eligible spouses. These loans offer several key benefits, including no down payment, no private mortgage insurance (PMI) requirement, and competitive interest rates. To qualify, you must have a valid Certificate of Eligibility (COE), meet the lender’s credit and income standards, and plan to use the loan for a primary residence. VA loans also have flexible underwriting, making them accessible even for borrowers with lower credit scores.