Our Mortgage Product Suite

Simple. Clear. Built to fit every type of homebuyer, homeowner, or investor.

Conventional Loans

Backed by Fannie Mae and Freddie Mac, these are the most common mortgages:

  • Standard and High-Balance loan options

  • Affordable housing programs like HomeReady and Home Possible

  • Easier‑qualification refinances such as RefiNow and Refi Possible

  • Special lending options through Chase and Citi to support flexible credit needs

Government Loans

Government‑insured programs designed to help more people qualify.

FHA Loans

  • Lower credit requirements

  • Manufactured homes eligible

VA Loans

  • High-Balance loan options

  • Streamlined refinance options (IRRRL)

USDA Loans

  • Designed for eligible rural areas

  • Up to 100% financing

  • Streamlined refinance available

Jumbo Loans

For homes that exceed standard loan limits.

  • Wide variety of lenders

  • Fixed-rate and adjustable-rate options

  • Competitive pricing for higher‑value homes

Non‑QM Loans (Non‑Traditional Options)

Perfect for self‑employed borrowers or anyone who qualifies differently.

  • Bank statement loans

  • P&L‑based income programs

  • Asset‑depletion qualifying

  • 40‑year terms available

  • LLC vesting allowed

  • Select non‑warrantable condos eligible

DSCR Loans (Investor Loans)

Built specifically for real estate investors.

  • Qualification based on rental income, not personal income

  • LLC ownership allowed

  • 40‑year mortgage options

Hybrid Programs (Jumbo / Non‑QM Bridge Loans)

For borrowers or properties that don’t fit standard guidelines.

  • Up to 49.99% DTI

  • Non‑warrantable condo solutions

  • Great for new Florida condo projects

  • Ideal for condos that don’t meet Fannie Mae guidelines but still get automated approval

Second Mortgage Options

Borrow against your home without refinancing your first mortgage.

  • Fixed‑rate second mortgages

  • HELOC‑style (line‑of‑credit) loans

Down Payment Assistance Programs

Helping buyers cover upfront costs with programs like:

  • Chenoa Fund

  • NHF

  • State of Florida Down Payment Assistance

HECM / Reverse Mortgage (For Homeowners 62+)

A Home Equity Conversion Mortgage (HECM)—also known as a reverse mortgage—helps older homeowners access their home’s equity.

  • No monthly mortgage payment required

  • Borrow as a lump sum, line of credit, or monthly income

  • Can eliminate an existing mortgage payment

  • The loan is repaid when the home is sold or no longer the borrower’s primary residence

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