Renovation Loans, which we like to call them MAKEOVER MORTGAGES allow the borrower to use one loan to cover the purchase or refinance costs and also ROLL RENOVATION COSTS INTO THE MORTGAGE. Makeover mortgages are offered to may type of borrowers such as FHA, Conventional, VA & USDA. It is important to have an experienced TEAM when using a Renovation Loan

An FHA loan is a government-backed mortgage with looser financial requirements that can allow you to buy a home. You may qualify for an FHA loan if you have debt or a lower credit score than needed to qualify for a Conventional loan. An FHA loan typically requires a 3 1/2% Down Payment

A conventional mortgage loan is NOT insured by a government program. Most conventional loans are also called “conforming” loans, which simply means that they meet the requirements for Freddie Mac or Fannie Mae. These loans have different requirements but typically require 5% Down Payment and higher credit score and debt to income ratios vs. FHA or other government backed loans

VA-backed loans do not require a down payment. VA home loan guaranty works with the lender to guarantee the loan. If the home owner defaults on the loan, VA will pay the debt to the lender. A VA home loan guaranty offers less risk for a lender, making eligible Veterans, more attractive borrowers

The USDA Loan is a mortgage option available to some rural and suburban homebuyers. USDA Home Loans are issued by qualified lenders and guaranteed by the United States Department of Agriculture (USDA) USDA Home Loans are particularly favorable to those living in rural or low-income areas. USDA Loans offer $0 money down, lenient eligibility requirements and competitive interest rates. These loans are guaranteed by the USDA

A construction loan is a short-term loan that covers only the costs of custom home building. There are different types of construction loans such as Construction To Permanent or Two Time Close Construction. When building a new home it is important to find the best loan that fits the needs of you and your builder

MANUFACTURED homes are another option. These loans can function much like a new construction loan and allow the land and site improvements to be included in the loan. MANUFACTURED homes have different steps and needs to bring them to completion. Working with a lender that understands the nuances of these homes will make the experience easier

MODULAR homes are another option. These loans can function much like a new construction loan and allow the land and site improvements to be included in the loan. MODULAR homes have different steps and needs to bring them to completion. Working with a lender that understands the nuances of these homes will make the experience easier

Loans for NON Owner Occupied properties. If you want to Fix-N-Flip we should be able to assist

Loans for NON Owner Occupied properties. Whether you want to Buy & Hold, Fix-N-Flip, Buy Renovate Rent Refi (BRRR) or another strategy we should be able to assist

Commercial loans are a specialized product. Whether you are considering Retail, Multi Family, Warehouse or Industrial property, if falls into the Commercial loan niche we should be able to assit

Portfolio loan products are designed around particular situations, such as, $0 Down Doctor Loans or other NON Traditional loans. These loans are typically shorter term adjustable rate loans that address a unique situation

Also known as a HELOC. This loan allows you to borrow against the equity in your property. It is a type of loan that is in second position or behind a first mortgage. It allows the original first mortgage to stay in place with the same rate & terms. The HELOC is a second loan based on the available equity and typically is a Line Of Credit that allows you to spend the money as needed and typically has an interest only payment due monthly

This loan allows you to borrow against the equity in your property. It is a type of loan that is in second position or behind a first mortgage. It allows the original first mortgage to stay in place with the same rate & terms. The Second Mortgage is a loan based on the available equity and typically is a Lump Sum amount paid out to the property owner at closing

A reverse mortgage loan is a loan where borrowed money + interest + fees each month = rising loan balance. The homeowners or their heirs will eventually have to pay back the loan, usually by selling the home. The home remains in the name and possession of the borrower. However, unlike a traditional mortgage, with a reverse mortgage loan, borrowers don’t make monthly mortgage payments