The lending climate has changed drastically in recent years.  Gone are the days of sub-prime ARMS and loose lending guidelines.  So what are your options?

 FHA Loans

Easier qualifying. Very flexible and lower down payment.

 Conventional Loans

Traditional Financing. Terms available are 10, 15, 20, or 30 year terms. Requires higher credit score for best rate.

 VA Loans

Designed for Veterans and member of the Armed Forces. Purchase or refinance without any money out of pocket.

 USDA/RD Loans

Purchase a property in a rural community without a down payment. Easy Qualifying.

 FHA 203k Rehab Financing

Purchase a property that needs work and finance in the repairs and improvements.

 Jumbo Financing

Loans over $417,000. Chose from 5 and 7 year ARMS or 30 year fixed. Requires great credit scores and 20% down.

 HomePath

Purchase a home owned by Fannie Mae with 3% down and no monthly mortgage insurance.

 FHA Streamline Refinance

Reduce your payment if you currently have a FHA loan in good standing.

Not sure what you’re looking for?  Fill out my Purchase Advisor or Refinance Advisor and I’ll be able to let you know.