In this crazy world we live in, everybody's situation is different, and we have learned that no two loans are alike . This has taught us to become experts in a wide variety of loan products.

To learn more, review below!

Day One Certainty

Our Fannie Mae Day 1 Certainty program will allow a qualified borrower to obtain a "Full Pre-Approval" rather than an average pre-qualification on day one of application. Does it sound too good to be true? Call today to hear the many benefits of being pre-approved before ever looking at a property!

Home Ready and Home Possible

Down payment as low as 3% down!  With a low down payment and reduced mortgage insurance, these are two wonderful programs for our First Time Home Buyers! Call today to hear more! 

VA Loan - We have great home loan options for Veterans!

A VA mortgage is for most active-duty military and veterans. Many reservists and National Guard members are also eligible. Have you served in the armed forces? If so, THANK YOU!  Getting a VA loan is easy and is an excellent option full of perks. Can you say "cost effective!?" 90% of VA loans have no down payment and they all come without a mortgage insurance requirement! With no prepayment penalties and a credit score allowance as low as 620, this could be a fantastic loan for YOU!

Need Cash Now? Down Payment Assistance Options

We all know having money "today" can sometimes be an issue. With the option of receiving up to 5% of the loan to use towards closing, you may be much closer to purchasing your dream home than you thought possible! 

FNMA Freddie Mac Conventional loans

With loan limits increasing this year, getting into a conventional loan is as easy as it's ever been! We are a direct seller to Fannie Mae and Freddie Mac eliminating the overlays you will see with other banks and lenders. Call today to learn more!


Are you thinking about purchasing a home but don't have a lot saved up for a down payment? USDA could be a favorable option for you! USDA loans do not have a down payment which could make that new home purchase a possibility! Depending on the appraisal, this is the only loan option that will allow you to roll in ALL closing costs into the loan amount.  This is a loan that allows the seller to pay all of the closing costs and prepaid items up to 6% of the sales price (as part of the negotiations in the contract.) On top of that, the USDA loan option will typically have a lower interest rate than a conventional loan!  Call today to learn more!


A FHA loan is a wonderful option for those without the strongest credit or cash available. With lower interest rates, find out how you can save today! 

Being a direct seller to Fannie Mae and Freddie Mac, we will not complicate your purchase by adding any overlays! This is HUGE!