1. Conventional & Elite Loans
The industry standard for borrowers with solid credit and established down payments.
- Elite Conventional
- Best For: Top-tier borrowers seeking the lowest possible rates.
- Highlights: 700+ FICO, up to 80% LTV. Available for primary, second homes, and investment properties.
- Conventional Fixed
- Best For: Stability and predictable monthly payments.
- Highlights: Available in 10, 15, 20, 25, and 30-year terms. 620+ FICO required.
- Conventional ARMs
- Best For: Borrowers planning to move or refinance within 5–10 years.
- Highlights: 5, 7, and 10-year fixed periods available.
2. Government-Backed Loans
Low down payment options designed to make homeownership more accessible.
- FHA Loans
- Highlights: Down payments as low as 3.5%. Ideal for first-time buyers or those with less-than-perfect credit.
- VA Loans
- Highlights: $0 down payment for Veterans, active-duty military, and surviving spouses. No monthly mortgage insurance (PMI).
- USDA Loans
- Highlights: $0 down payment for homes in eligible rural and suburban areas.
3. Jumbo & High Balance
For luxury homes or high-cost areas where loan amounts exceed standard limits.
- Jumbo Fixed (Purple/Green/Prime)
- Highlights: Loan amounts up to $5M. 700+ FICO (varies by program). Options for primary, secondary, and investment properties.
- Elite High Balance
- Highlights: Competitive pricing for loans ranging from $832,750 up to local county limits.
4. Home Equity Solutions
Access the cash in your home without touching your low-rate primary mortgage.
- Standalone Home Equity Loan
- Highlights: Lump sum cash for renovations or debt consolidation. Up to 90% CLTV (Combined Loan-to-Value).
- Piggyback Home Equity
- Highlights: Close your primary mortgage and a home equity loan simultaneously to avoid PMI or stay within conforming limits.