Loan Options
Nine ways into a home. Here is what each one actually is, who it fits, and what it asks of you.
Start with the situation, not the product
Most people arrive asking for a specific loan because somebody mentioned it. The better question is what you are trying to do and what your file looks like. The programme falls out of that.
Fixed Rate Mortgage
One payment, one rate, for the whole loan. The default for a reason.
Read more 02FHA Home Loan
A lower bar to clear. Built for buyers with a smaller down payment or a shorter credit history.
Read more 03VA Home Loan
No down payment, no monthly mortgage insurance. The strongest loan in the country, if you earned it.
Read more 04Rehab Loan
Buy the house and fund the work in one loan, at mortgage terms.
Read more 05Jumbo Home Loan
Above the conforming limit. A different underwriting conversation, and one I have often.
Read more 06First Time Home Buyer
The programmes, the assistance, and someone who explains all of it.
Read more 07Low Down Payment Purchase Options
Twenty percent is a myth. Here is what is actually required.
Read more 08Investment Property Loans
Financing that is underwritten on the property, or on you. Whichever gets it done.
Read more 09Refinance
Change the loan you have. Lower the payment, shorten the term, or take equity out.
Read moreNot sure which one fits
Tell me the situation and I will tell you the honest answer, including when the answer is not yet.