Loan Programs

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Flexible options including 0%, 1%, and 3% down for first-time buyers or income-qualified borrowers.  Purchase up to 4-unit properties with as little as 5% down.  Down payment assistance available.

Low 3.5% down payment for primary residences—ideal for 1 to 4-unit properties.  Great for buyers with less-than-perfect credit.  Down payment assistance available.

 0% down payment for eligible veterans and service members. Offers unbeatable terms for those who’ve served. 

Use your home's value to consolidate debt or access cash.

• Cash-Out Refinance 
• Home Equity Line of Credit (HELOC)
• Fixed-Rate Second Mortgages

Move first, sell later. Use your current home’s equity to fund your next purchase, then sell within 3 months. 

100% financing for eligible rural areas and qualifying borrowers—low rates, no down payment. 

Finance your dream home—repairs and all—with one loan.

• FHA 203k Standard – Covers full renovations including structural work. 
• FHA 203k Streamline – Up to $50k in non-structural upgrades. 
• HomeStyle Renovation – Up to 97% loan-to-value for 1-unit homes (FTHB), 95% for multi-unit.
   
• VA Renovation – 0% down and up to $200k in renovation funds.

Alternative lending solutions for unique financial situations.   Bank Statement Loans – Qualify using 12 or 24 months of business or personal deposits.   1099 Contractor Loans – Use up to 90% of 1099 income for qualification.   No Income / No Employment Verification – Asset-based financing options available.   Non-Warrantable Condos – Financing for condos that don’t meet traditional guidelines.   DSCR / AirBnB Loans – Rental property loans based on cash flow, not income.   ITIN Loans – For non-citizens with Individual Taxpayer IDs. Available with full documentation or bank statements.   Foreign National Loans – For non-residents investing in U.S. real estate.

Business financing up to $5 million, including SBA options. We also offer business consulting to help you grow.