Loan Types

Mortgage loans and home loan programs

Conforming Loans

Score great interest rates on conforming home loans. These traditional mortgages come with many perks, and easy processing.

Loan Features:

  • Loan amounts $647,200*
  • Available in lengths of 8-30 years
  • Fixed or variable (ARM) rate loans
  • Insured by Fannie Mae or Freddie Mac
  • Down payments as low as 3%
* Higher loan amounts available in high cost areas

High Balance Loans

High balance or ‘Super Conforming’ home loans offer all the perks of vanilla conforming mortgages, with higher loan limits.

Loan Features:

  • Available in high cost neighborhoods
  • Loan amounts of $647,200 – $970,800*
  • Choose fixed or variable (ARM) interest rates
  • Insured by Fannie Mae or Freddie Mac
  • Down payments as low as 5%

Jumbo Mortgages

Bigger loans for bigger homes! Jumbo home mortgage loans are ideal for savvy luxury home buyers and owners.

Loan Features:

  • For loans bigger than $647,200
  • parameters are determined by the investor or bank lending the funds
  • Available as both fixed rate and adjustable rate mortgages
  • Typically require at least 10% down

Portfolio Mortgages

Are you self-employed or a real estate investor?  Portfolio mortgages, also known as “Non-QM” loans, provide the security and flexibility you need.

Loan Features:

  • Allow high loan amounts
  • Offer more flexible underwriting standards
  • Allow for lesser documentation requirements (stated income, etc)
  • Are often variable rate (ARM) products
  • Typically are held and serviced by the original lender

FHA Home Loans

Take advantage of low down payments and more relaxed qualifying guidelines with government backed FHA mortgage loans.

Loan Features:

  • Down payments as low as 3.5%
  • Come with mortgage insurance
  • Often offer lower rates than conforming loans
  • Are geared toward first time homebuyers
  • Includes reverse mortgage options

VA Home Loans

Up to 100% financing for veterans and their family members. Plus, lots of flexible and awesome terms for those who have served.

Loan Features:

  • 100% financing
  • Allow loan amounts above conforming limits
  • Greater qualifying stanards
  • Typically offer rates lower than conforming loans
  • No private mortgage insurance required
  • Guaranteed by the Department of Veteran Affairs