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OUR Services

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Piggyback Loans

Piggyback Loans

Similar to Jumbo loans, but helps you save more money at closing
Similar to Jumbo loans, but helps you save more money at closing
No PMI
No PMI
Second mortgage
Second mortgage
Can be used on homes that are valued above $647,200
Can be used on homes that are valued above $647,200
10% down payment with less closing costs
10% down payment with less closing costs
More affordable version of the Jumbo Loan
More affordable version of the Jumbo Loan
Foreign National Loan

Foreign National Loan

Loans for investment properties for foreign nationals
Loans for investment properties for foreign nationals
FICO scores don't apply to foreign national loans but a credit reference letter will be required
FICO scores don't apply to foreign national loans but a credit reference letter will be required
Borrower cannot live in the US
Borrower cannot live in the US
Loans are for investment properties only
Loans are for investment properties only
25% to 45% down payment, plus closing costs
25% to 45% down payment, plus closing costs
24 additional months of cash reserves to make mortgage payments
24 additional months of cash reserves to make mortgage payments
Pre-Approval

Pre-Approval

A one on one consultation to get home buyers ready to shop for homes.
A one on one consultation to get home buyers ready to shop for homes.
Buying a home is a competitive process—but there is one way to give yourself an advantage—a pre-approval letter.
Buying a home is a competitive process—but there is one way to give yourself an advantage—a pre-approval letter.
Pre-approval letters certify that you qualify to buy a home within a set price range
Pre-approval letters certify that you qualify to buy a home within a set price range
Pre-Approval will also reduce timelines and improve our ability to close your loan fast.
Pre-Approval will also reduce timelines and improve our ability to close your loan fast.
Most sellers expect buyers to have a pre-approval letter and will be more willing to negotiate if you do.
Most sellers expect buyers to have a pre-approval letter and will be more willing to negotiate if you do.
Once that's done, you can start shopping for a home with confidence.
Once that's done, you can start shopping for a home with confidence.
Refinance

Refinance

Refinance your home loan and get a lower interest rate.
Refinance your home loan and get a lower interest rate.
Reduce your mortgage interest rate and save thousands over the life of your loan. This depends on market conditions, your credit score, and other factors.
Reduce your mortgage interest rate and save thousands over the life of your loan. This depends on market conditions, your credit score, and other factors.
Refinance can help you Pay off your home loan early
Refinance can help you Pay off your home loan early
It gives you a chance to lock in a fixed interest rate if you have had a loan with an adjustable rate (ARMs)
It gives you a chance to lock in a fixed interest rate if you have had a loan with an adjustable rate (ARMs)
You can obtain funds for home improvements or repairs or even consolidate your debts with a cheaper interest rate.
You can obtain funds for home improvements or repairs or even consolidate your debts with a cheaper interest rate.
It can help you remove private mortgage insurance
It can help you remove private mortgage insurance
FHA Loan

FHA Loan

Home loans for first-time home buyers.
Home loans for first-time home buyers.
FICO score of at least 580
FICO score of at least 580
Offers low down payment option of 3.5% (if you qualify)
Offers low down payment option of 3.5% (if you qualify)
The rate of your PMI is 0.85%, though if you put 10% down it drops to 0.80%
The rate of your PMI is 0.85%, though if you put 10% down it drops to 0.80%
Lifelong PMI
Lifelong PMI
Upfront 1.75% MIP that you can roll into your loan or pay at closing
Upfront 1.75% MIP that you can roll into your loan or pay at closing
VA Loan

VA Loan

A home loan with special benefits for veterans
A home loan with special benefits for veterans
You’re an active-duty military member or veteran or the widowed spouse of a veteran
You’re an active-duty military member or veteran or the widowed spouse of a veteran
Meet the lender’s requirements for credit and income (lenders set their own standards)
Meet the lender’s requirements for credit and income (lenders set their own standards)
VA loans are only for primary residences *No down payment
VA loans are only for primary residences *No down payment
No PMI and limited closing costs
No PMI and limited closing costs
VA Funding Fee (ranges from 1.4% to 3.6% of the loan)
VA Funding Fee (ranges from 1.4% to 3.6% of the loan)
Jumbo Loan

Jumbo Loan

Loans for homes valued above the conventional limit of $647,200
Loans for homes valued above the conventional limit of $647,200
FICO score 700+
FICO score 700+
At least 20% down
At least 20% down
Closing costs are higher (about 5% of loan amount)
Closing costs are higher (about 5% of loan amount)
Loan limit is any home value over $647,200
Loan limit is any home value over $647,200
The DTI should be under 43% and preferably closer to 36%
The DTI should be under 43% and preferably closer to 36%
Conventional Loan

Conventional Loan

The standard 30-year-fixed mortgage with a funding limit of $647,200
The standard 30-year-fixed mortgage with a funding limit of $647,200
FICO score of at least 620
FICO score of at least 620
Debt to income (DTI) ratio is less than 50%
Debt to income (DTI) ratio is less than 50%
Offers lowest down payment option of 3% (if you qualify)
Offers lowest down payment option of 3% (if you qualify)
PMI is based on your FICO score and down payment
PMI is based on your FICO score and down payment
You can stop paying PMI once you’ve paid off 80% of your loan
You can stop paying PMI once you’ve paid off 80% of your loan