FHA - For borrowers with any combination of lower credit scores, Higher debt to income ratios, and low down payment funds available. Down payments requirement of 3.5%. 

VA- For our qualified military members and Veterans 100% financing NO down payment and no mortgage insurance. 

USDA - 100% Financing for Borrowers with moderate income, low Debt to income ratios and a credit score of at least 620. 

 Ideal for borrowers with strong credit profiles and stable income. Conventional loans offer flexible down payment options starting as low as 3% for qualified buyers, no upfront mortgage insurance fees, and competitive interest rates. Great for primary residences, second homes, and investment properties. Higher credit scores may reduce or eliminate private mortgage insurance sooner. No Mortgage insurance with down payment of 20% or more. 

We can assist with rate and term refinancing for current homeowners in a high rate mortgage. Lower your interest rate and monthly payments. 
We can assist in a Cash out refinancing. Is your credit card debt too much to handle? Are you paying outrageous interest rates on credit card debt? Refinance with cash out and consolidate those cards under a lower interest rate and spread out of a 30-year mortgage. Are you needing to do updates or addons to your current home and need funding? Apply today for a refinance and let us help you achieve your goals. 

Calling all landlords looking to grow your rental properties portfolio. Get qualified today NO income documentation required. DSCR – Designed for real estate investors who qualify based on the property’s cash flow, not personal income. No tax returns or W-2s required. Approval is based on the rental income covering the mortgage payment. Ideal for investors looking to expand their portfolio quickly with flexible terms, fast approvals, and the ability to close in an LLC.

For borrowers needing loan amounts above the conforming loan limits. Jumbo loans offer competitive rates for high-value homes, often requiring strong credit, solid income, and larger down payments. Perfect for luxury properties or higher-cost markets where traditional limits aren’t enough. Tailored financing for unique and complex financial profiles.

Hobby farm financing is available for properties with larger acreage that are primarily residential in nature. These loans are well-suited for gardens, small livestock, recreational use, barns, workshops, and outbuildings, while still functioning as a primary residence. Finance up to 160 acres of non-income producing land. Perfect for gardens, small livestock, horses, and recreation. Minimum credit score 680. Property must be primarily residential in use.

Designed for borrowers purchasing or refinancing working agricultural properties intended for income production. Agricultural farm loans support a wide range of uses including crop production, livestock operations, and farm-related businesses. These loans are best suited for borrowers with farming experience or an established agricultural plan. Financing may consider land use, improvements, and the long-term viability of the agricultural operation.