Conventional / Conforming

Loans that meet Fannie Mae and Freddie Mac guidelines. Typically require decent credit and steady income.

VA Home Loan Benefit

No down payment. No monthly mortgage insurance. For eligible Veterans, Active Duty, and surviving spouses.

FHA-Insured 203(b)

Low down payment and flexible guidelines. Designed for first-time buyers and those with limited credit.

USDA Rural Development

Zero-down loan program for qualifying rural properties. Income and location limits apply.

Renovation – (Conv & All Govies)

Finance the purchase and repairs in a single loan. Available under FHA, VA, USDA, and Conventional programs.

Down Payment Assistance

Programs that help cover down payment or closing costs. Options vary by location and buyer profile.

HELOC

Home Equity Line of Credit. Access equity as needed, similar to a credit card — with interest-only payments during the draw period.

HELOAN

Home Equity Loan. Fixed second mortgage that provides a lump sum with predictable monthly payments.

Reverse Mortgage – Cashflow Support

Eliminate monthly payments and receive cash from home equity. For homeowners age 62 or older.

Reverse Mortgage – Home Purchase

Buy a new home using a reverse mortgage with no monthly payments required.

Permanent Resident

Eligible Green Card holders can qualify for most mortgage programs, including Conventional, FHA, and VA (if eligible).

High Balance Counties

Higher loan limits available in certain high-cost areas. Helps you stay in budget where prices run higher.

Jumbo Loans

For homes that exceed conforming loan limits. Often used for primary, vacation, or investment properties in high-price areas.

Super Jumbo

High-value financing beyond Jumbo limits. May offer flexible terms for high-net-worth borrowers.

DACA / Dreamer Loans

Available through select lenders for borrowers under the Deferred Action for Childhood Arrivals program. FHA and conventional options may apply.

Modular Homes (off-frame)

Factory-built homes delivered and installed on a permanent foundation. Treated similarly to site-built homes for financing.

Manufactured / Mobile (on-frame)

Homes built on a permanent chassis. May qualify under FHA, VA, or conventional if foundation and title conditions are met.

Chattel (Mobile Home Only)

Personal property loan for mobile homes not attached to land. Often used in parks or leasehold communities.