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Loan Program

Loan Programs

FHA-Insured Loans

FHA Insured Loans are insured by the US Government to protect the lender against default. The added benefit to this is the ability for first-time homebuyers, borrowers with bruised credit, and borrowers with low down payments to become homeowners.

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Conventional Loans

Conventional Loans are more traditional purchasing loans, exemplified by the “30-Year Fixed” and others.Conventional Loans require a manageable down payment as well as specific credit and income requirements, but are the easiest loans to manage over the long-term.

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Jumbo Loans

Jumbo Loans are loans that exceed the maximum purchasing limit set by Fannie Mae and Freddie Mac, usually about $417,000 in most parts of the country. These loans are serviced by independent lenders who may have their own individual requirements for qualification.

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Construction Loans

Construction Loans are loans that are provided for purchasers of vacant land who wish to build their home. The loans are paid out in instalments to the builder over the course of the construction of the house, after which the loan is converted into a standard loan when the house is completed.

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Vacation Homes

Vacation Home Loans have many of the same requirements as Conventional Loans, with the exception that the loan will be used against a property that the borrower may not be living in full-time. These loans, while similar in scope as Conventional, may carry additional verification requirements and interest rates.

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Investment Loans

Investment Loans are specifically designed Conventional Loans that are intended for borrowers who will be obtaining a property to be used in generating a profit. Residential loans apply toward properties with one to four living spaces, and carry very specific requirements.

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