Learn more about what type of home loan best suits you

Conventional Home Loan

  • 3-5% minimum down payment requirement

  • Maximum loan amount of $766,550 (2024 limit)

  • Seller concessions are limited up to 3-9% of sales price

  • PMI required with less that 20% down payment

  • Minimum 620 credit score

Construction Loans

Rural Development Home Loan

  • Minimum 620 credit score

  • Property must be located in USDA approved area

  • Zero down payment

  • Reduced monthly mortgage insurance premiums

  • Income limits based on County home is located in

    • Seller concessions up to 6% allowed

FHA Home Loan

  • 3.5% minimum down payment requirement

    • 600 Minimum Credit Score

  • Max loan amount will be $498,257 (2024 )

  • Upfront Mortgage Insurance premium financed into the loan

  • Condominiums must be on FHA approved list or FHA single unit spot approval

  • No income limits

  • Seller concessions up to 6% of sales price

  • Gifts allowed

VA Home Loan

  • 0% down payment requirement

  • Property must meet VA eligibility

  • VA funding fee financed into loan

  • Disabled veterans can waive funding fee

Bridge Home Loan

A "Bridge Loan" is a short term loan that uses equity from your current home to finance the purchase of your new home. Bridge loans empower you to purchase your new home while your current home is listed or pending sale!

  • Receive cash out of your existing property prior to the sale

  • 90 days to 1 year term