Everyone deserves a place to call home.

In today’s competitive housing market, it’s easy (and totally disappointing) to lose your dream home to another homebuyer. So, we came up with a solution — Approved to Move™. Unlike a typical pre-approval, Approved to Move™ is fully underwritten and verifies your information before you start house hunting. Sellers love Approved to Move™ because it’s virtually as good as a cash offer and all but guarantees a quick closing.

Many homebuyers prefer Conventional mortgages because they offer more flexibility and the costs accompanying the loan are often less expensive. Two more reasons people love this type of mortgage is because it doesn’t always require mortgage insurance and it allows the borrower to purchase a more expensive home. If you have a solid credit score of 640 or above, a Conventional mortgage is a great option.

Because FHA loans are backed by the government, they’re one the easiest mortgages to qualify for. Down payments are as low as 3.5% and the entire down payment and closing costs can sometimes be covered with gift funds. Most types of homes qualify, including single-family, condos, multi-unit properties, and manufactured homes.

A Jumbo loan is used to finance a property that’s too expensive for a Conventional loan. Most Jumbo loans tend to be complicated and restrictive, so we created our own. Our Jumbo mortgages are simpler and usually easier to qualify for. We offer as little as 10% and 20% down for loans up to $1.5M and $2.5M respectively, and we have options for borrowers with credit scores below 740.

If you live in an area designated as rural by the U.S. Department of Agriculture (USDA), a zero-down USDA loan may be an ideal choice. You’ll enjoy a below-market mortgage rate, and you won’t be required to provide a down payment or pay private mortgage insurance. And it may surprise you, but many suburban neighborhoods qualify as rural.

VA loans allow veterans to buy a home with little or no down payment and are easier to qualify for than other mortgages. Because VA loans are guaranteed by the Federal Government through the US Department of Veterans Affairs (VA), they are viewed as safer mortgages and have better interest rates than traditional loan programs.

If you qualify for our rate and term refinance, you may be able to enjoy a lower interest rate or better loan term. This could help you reduce your monthly mortgage payment and/or pay down your principle faster. Believe it or not, you may be able to save hundreds of dollars each month and thousands over the life of your loan.

A cash-out refinance lets you use home equity to get cash for other expenses. You can pay for renovations, college, or the vacation you’ve always dreamed of. The beauty of a cash-out refinance is you can use the money for anything you choose.

With a debt consolidation refinance, you can roll your credit cards, auto and student loans, medical bills, and other debt into one convenient monthly mortgage payment. And because home loans usually have much lower interest rates than other loans, your monthly mortgage payment could be lower as well.

Good news — you may be able to refinance even if you owe more than 97% of your home’s value. Loan-to-value (LTV) is the measure of how much of your home loan has been paid off. With a higher LTV refinance, you may be able to lower your monthly payment, switch from an adjustable-rate mortgage to a fixed-rate mortgage, or get shorter terms and build home equity faster.

Right now, we offer two high LTV refinance loans: The Fannie Mae High Loan-To-Value Refinance Option (HIRO) and the Freddie Mac Enhanced Relief Refinance (FMERR). We can help you determine if either of these refinance mortgages are right for you.

When you refinance with a VA loan, you can lower your monthly mortgage payment, merge a Conventional loan with a VA-backed loan, or get cash for renovations. We have two VA loan options and would be happy to let you know if you’re eligible.