Loan Programs

Every buyer’s story is different—and so is every mortgage. Here are some of the most common loan types I help clients with.

A great fit for many buyers with solid credit and steady income.

As little as 3% down (for first-time buyers)
Competitive interest rates
No upfront mortgage insurance

💡 Best for buyers with good credit and some savings.

A government-backed loan designed to help more people qualify.

Only 3.5% down required
Flexible credit guidelines
Allows gift funds for down payment
Eligible for Down Payment Assistance (DPA) programs that can reduce or eliminate upfront costs

💡 Popular with first-time buyers and those rebuilding credit.

Available to eligible veterans, active-duty service members, and surviving spouses.

0% down payment
No monthly mortgage insurance
Often lower rates and more flexibility

💡 An amazing benefit for those who have served.

Perfect for self-employed borrowers or business owners who don’t show income traditionally.

Qualify using 12–24 months of business or personal bank statements
No tax returns needed
Ideal for self-employed clients, entrepreneurs, and freelancers

Because your income isn’t just numbers on a W-2.

For real estate investors buying income-producing properties.

Not every situation fits a standard box—and that’s okay. I also offer:

💡 Let’s talk through your goals and find the loan that works for you.