Loan Products
The Right Loan for Your Situation.
Every buyer's financial picture is different. I'll help you find the loan program that fits your goals, your timeline, and your budget.
Not All Loans Are Created Equal
From government-backed programs with low down payments to jumbo loans for higher-priced homes, there's a mortgage designed for nearly every situation. My job is to match you with the right one and find the best loan terms available.
Most Popular
Conventional Loan
Flexible financing for buyers with solid credit.
Conventional loans are the most widely used mortgage product. They're not backed by the government, which means they offer more flexibility in loan amounts, property types, and terms. With strong credit and a stable income, you can often secure a competitive rate and avoid mortgage insurance with 20% down.
Best for
Buyers with good-to-excellent credit (620+) and stable employment history.
Key Features
- Down payments as low as 3%
- No upfront mortgage insurance premium
- PMI removable once you reach 20% equity
- Fixed and adjustable rate options
First-Time Friendly
FHA Loan
Government-backed flexibility for first-time buyers.
FHA loans are insured by the Federal Housing Administration, making them accessible to buyers who may not qualify for conventional financing. They're especially popular with first-time homebuyers because of the lower credit score requirements and smaller down payment threshold.
Best for
First-time buyers or those rebuilding credit who need more flexible qualification standards.
Key Features
- Down payments as low as 3.5%
- Credit scores as low as 580 may qualify
- Seller can contribute up to 6% toward closing costs
- Available for single-family, multi-unit, and condos
Veterans & Military
VA Loan
Exclusive benefits for those who served.
VA loans are one of the most powerful mortgage benefits available to eligible veterans, active-duty service members, and surviving spouses. Backed by the Department of Veterans Affairs, they offer exceptional terms that simply aren't available anywhere else — including zero down payment and no private mortgage insurance.
Best for
Veterans, active-duty service members, National Guard, Reservists, and eligible surviving spouses.
Key Features
- Zero down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Reusable for life
High-Value Homes
Jumbo Loan
Financing above conventional loan limits.
Jumbo loans are designed for home purchases that exceed the conforming loan limits set by Fannie Mae and Freddie Mac — currently $832,750 in most areas. In high-cost markets, this product is common. Jumbo loans require stronger credit and larger reserves, but offer the purchasing power you need for premium properties.
Best for
Buyers purchasing higher-priced homes in competitive markets where prices often exceed conforming limits.
Key Features
- Loan amounts above $832,750 *For 2026
- Fixed and adjustable rate options
- Competitive rates for well-qualified buyers
- Primary, second home, and investment properties
Current Homeowners
Refinance
Optimize your existing mortgage.
Refinancing replaces your current mortgage with a new one — often to lower your interest rate, reduce your monthly payment, shorten your loan term, or tap into your home's equity. Whether you're looking for a rate-and-term refi or a cash-out refinance, I'll help you run the numbers and decide if it makes sense.
Best for
Current homeowners looking to reduce their rate, change their loan term, or access equity for home improvements or other goals.
Key Features
- Rate-and-term refinance to lower your payment
- Cash-out refinance to access home equity
- Streamline refinance options for FHA and VA loans
- No-cost refinance options available
Self-Employed & Unique Situations
Non-QM Loans
Flexible financing when traditional rules don't fit.
Non-Qualified Mortgage (Non-QM) loans are designed for borrowers whose income or financial profile doesn't fit the standard Fannie Mae/Freddie Mac guidelines — but who are absolutely creditworthy. Whether you're self-employed, a real estate investor, recently retired, or have a complex income structure, there are loan programs built for you.
Best for
Self-employed borrowers, real estate investors, retirees with significant assets, and anyone whose income doesn't fit a standard W-2 profile.
Key Features
- Bank statement loans for self-employed borrowers
- Asset depletion and asset-based qualification
- DSCR loans for real estate investors
- No tax return options available
Tap Your Equity
HELOC
Flexible access to your home's equity.
A Home Equity Line of Credit (HELOC) lets you borrow against the equity you've built in your home — similar to a credit card with your home as collateral. It's a flexible tool for home improvements, debt consolidation, or major expenses, with interest only on what you draw.
Best for
Homeowners with significant equity who want flexible access to funds for renovations, education, or other large expenses.
Key Features
- Revolving credit line based on home equity
- Interest only on the amount drawn
- Flexible draw period, typically 10 years
- Often lower rates than personal loans or credit cards
Not Sure Which Loan Is Right for You?
That's exactly what I'm here for. Let's talk through your situation and find the best path forward.