Conventional Loans

A flexible, widely used option for well-qualified borrowers. Great for primary homes, second homes, and investment properties, with competitive rates and a range of down-payment choices. Works for purchases or refinances.
Best fit: Strong credit, stable income, standard documentation.

FHA Loans

Government-insured financing designed to help buyers with limited down payment or lighter credit histories. Offers low down-payment options and easier qualification standards.
Best fit: First-time buyers, credit rebuilders, lower cash-to-close.

VA Loans

Exclusive benefits for eligible veterans, active-duty service members, and qualifying surviving spouses. Often no down payment, no monthly mortgage insurance, and highly competitive terms.
Best fit: Eligible military borrowers seeking low upfront costs.

Jumbo Loans

Financing above the current FHFA conforming loan limit for higher-priced homes. Tailored underwriting with options for purchases or refinances on premium properties.
Best fit: Borrowers purchasing in higher-cost areas or luxury markets.

Property / Occupancy

Residential

Financing for single-family homes, condos, and townhomes—whether you’re buying your first home, moving up, or refinancing to a better rate or term.

Commercial

Options for income-producing and owner-user properties (e.g., office, retail, mixed-use, light industrial), with terms structured to support cash flow and investment strategy.

Owner-Occupied

You plan to live in the home or actively use the property for your own operations. Typically offers more favorable terms.

Non-Owner-Occupied

You won’t live in the property (e.g., rentals or investment holdings). Underwriting focuses more on income, reserves, and overall portfolio strength.