Residential Loans
Home Financing Built Around Your Situation
Whether you're buying your first home, refinancing, or investing in real estate, the right plan matters. We'll walk through your options and help you move forward with a strategy tailored to you.
Loan Programs
Explore Residential Loan Options
Each program is designed for a different borrower profile. We'll help you identify the right fit based on your situation and financing goals.
Conventional Loans
Conventional loans are commonly used for primary residences, second homes, and investment properties. From day one, we help you navigate the process, answer questions as they come up, and stay aligned with all parties involved—so your transaction moves forward as smooth as possible.
Ideal For
Borrowers looking for flexible financing options for primary residences, second homes, or investment properties.
Program Highlights
- Down payment options starting as low as 3%, with many programs typically ranging from 5–10%
- Fixed-rate and adjustable-rate (ARM) loan options
- Loan amounts from conforming to high-balance and jumbo, depending on the property and location
- No private mortgage insurance (PMI) required with a minimum of 20% down
- 1–4 unit properties are financed as residential, while properties with 5+ units are considered commercial
Jumbo Loans
Jumbo loans are used to finance properties that exceed conforming loan limits. They offer flexible structuring options based on the borrower's overall financial profile and loan scenario.
Ideal For
Buyers with more complex financing needs or larger loan amounts that require a more customized approach.
Program Highlights
- Tailored financing for larger loan amounts and more complex scenarios
- Competitive rates for qualified borrowers
- Fixed and ARM options available
- Additional documentation may be required depending on the loan structure
- Requires strong credit and reserves
FHA Loans
FHA loans are government-backed and designed to provide more flexible financing options for buyers. They can be a strong option depending on your overall financial profile, especially when looking for lower down payment solutions.
Ideal For
Buyers who benefit from more flexible qualification guidelines or lower down payment options.
Program Highlights
- Down payments as low as 3.5%
- More flexible qualification guidelines compared to conventional loans
- Government-backed program designed to expand financing access
- Available for primary residences
- Streamline refinance option available
VA Loans
VA loans are a benefit available to eligible veterans, active-duty service members, and surviving spouses. They offer flexible financing options and can be a strong path to homeownership with little to no down payment, depending on eligibility and overall loan scenario.
Ideal For
Eligible veterans, active-duty service members, and surviving spouses looking to take advantage of VA loan benefits.
Program Highlights
- Down payment as little as 0%
- No private mortgage insurance (PMI)
- Competitive interest rates
- Flexible qualification guidelines compared to conventional financing
- Available for primary residences
Alt-Doc Loan Programs
Alt-Doc programs are designed for self-employed borrowers, business owners, and investors who may not qualify under the other programs listed above.
Ideal For
Self-employed borrowers, investors, and those with non-traditional income looking for flexible financing solutions.
Program Highlights
- Flexible program options, including bank statement, asset depletion, P&L, and DSCR financing
- Qualification may be based on income, assets, or property cash flow, with documentation requirements varying depending on the program
- Available for purchase, refinance, and investment properties
- Designed for self-employed borrowers and real estate investors
- ITIN loan programs available for foreign nationals and non-permanent residents
How It Works
From First Conversation to Closing
Initial Consultation
We start with a conversation to understand your goals, timeline, and overall financial picture.
Pre-Approval
We gather and review your documentation, issue a pre-approval based on the information provided, and prepare you for the next steps.
Loan Submission
Your file is submitted to underwriting, and we stay actively involved—answering questions, coordinating with all parties, and keeping everything moving forward.
Clear to Close
Once approved, we work through final loan conditions, keep everyone updated along the way, and coordinate with escrow and title to get you to the closing table.
Residential Financing FAQs
Ready to Take the Next Step?
Schedule a call and we'll talk through your situation, answer your questions, and discuss what comes next.