Loan Options

LET US BUILD YOUR UNIQUE LOAN SOLUTION

Just like people, no two loans are the same. We can build a loan solution that fits your life and goals. Customers really appreciate our personalized services and products. Obtaining a mortgage is a big deal, we can make sure its done right.

USDA

0% Down Payment (100% Financing)
620+ Credit Score Requirement
No Maximum Loan Amount
Qualifying Rural Areas
Household Income Limitations
Read More About: USDA Loans

VA

0% Down Payment (100% Financing)
600 Credit Score Requirement
No Maximum Loan Amount
Must be able to provide certificate of eligibility
High Balance VA loans available
Read More About: VA Loans

Conventional

Minimum 3% down payment if using the home ready program
Minimum 5% down payment on all other programs
Down payment can be a gift
620+ credit score requirement
Up to $766,550 loan amount
Seller can pay up to 3% of the sales price towards closing costs in all cases, and up to 6% if there is a 20% down payment
Read More About: Conventional Loans

Classic Cares (FHA)

0% Down Payment (100% Financing)
Up to $498,257 loan limit
600+ Credit Score Requirement
Seller can pay up to 6% of sales price towards closing costs
Read More About: FHA Loans

FHA 203 (b)

Minimum 3.5% Down Payment which can be a gift
600+ Credit Score Requirement
Up to $498,257 loan limit
Seller can pay up to 6% of the sales price towards your closing costs

Jumbo Loans

Minimum 10% Down Payment for purchases
Minimum 15% Down Payment for refinances
Loan amounts over $766,550
700+ credit score requirement
*Ask about our "JUMBO BUSTER"- 80/10/10 Loan Program

Bank Statement

Minimum 15% Down Payment
Up to $3,000,000 Loan Amount
680+ Credit Score Requirement
Seller can pay up to 3% of the sales price towards closing costs

Tax ID

Minimum 10% Down Payment
Up to $766,550 loan amount
680+ credit score requirement
Seller can pay up to 3% of the sales price towards closing costs

Ready To Get Started?

The first step to reaching your home dreams is getting pre-qualified. Don't worry if you don't have all your information with you at the moment, you can always log back in and finish where you left off. If you are ready to start looking for your dream home then take the next step and get pre-approved.

COMPLETE APPLICATION

Ready to start looking for your dream home? Get pre-approved by using our secure online Complete Application (also known as the 1003 Form) to begin the process of pre-approval. This is the fastest way to get pre-approved. Please note that you will need to provide documentation and your credit will be pulled before pre-approval can be granted. A copy of our Borrower's Checklist or if you are a first time buyer a copy of our First Time Home Buyer Checklist which are available to help expedite the processing of your loan.