Loan options

Financing that fits your life

No two borrowers are exactly alike, and your mortgage should reflect that. Here’s the full menu — I’ll help you compare what fits your goals, budget and timeline.

FROM 3% DOWN

Conventional loans

A strong foundation for your home and your finances, with a range of term and down payment options.

  • Down payments as low as 3% for eligible borrowers
  • Fixed-rate and adjustable-rate options
  • Wide range of repayment terms
  • Credit and underwriting requirements vary
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FROM 3.5% DOWN

FHA loans

A potential fit for first-time buyers and others seeking a lower down payment option.

  • Down payments as low as 3.5% for eligible borrowers
  • Credit score and underwriting requirements apply
  • Fixed-rate and adjustable-rate options

Other requirements and conditions apply, including mortgage insurance.

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0% DOWN

VA loans

For eligible service members, Veterans and surviving spouses, with valuable home financing benefits.

  • No down payment required for many eligible borrowers
  • No monthly private mortgage insurance
  • Competitive loan options for eligible buyers
  • Available to eligible first-time and repeat buyers

Eligibility, lender requirements and a VA funding fee may apply. VA does not guarantee the lowest rate.

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0% DOWN

USDA loans

Government-backed financing for eligible properties in qualifying rural and suburban areas.

  • 100% financing may be available
  • Down payments as low as 0% for eligible borrowers
  • Income and property eligibility requirements apply
  • Eligible gift funds may be accepted

Property must be in a USDA-eligible area. Program fees apply.

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HIGHER LOAN AMOUNTS

Jumbo loans

Purchasing more house — luxury, second and vacation homes — with financing tailored to larger purchases.

  • Designed for eligible higher-priced properties
  • Fixed-rate and adjustable-rate options may be available
  • Down payment and reserve requirements vary
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BUILD + BUY, ONE LOAN

One-time close construction

One loan may cover both your home build and permanent financing, helping simplify the process.

  • Construction and permanent financing in one transaction
  • Loan amounts and terms vary by program
  • Construction-phase payment options may be available
  • One closing instead of separate transactions
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CONDO SPECIALISTS

Condo loans

Financing built for condo lifestyles, with a team familiar with condo project guidelines.

  • Specialized condo financing guidance
  • Unique government loan program options
  • Purchase or refinance options
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LOWER YOUR PAYMENT

Refinance

Your home is a great asset — maybe your mortgage could use some work. Let's review whether refinancing makes sense.

  • Compare available rates and loan options
  • Choose from eligible repayment terms
  • Explore cash-out or rate-and-term options

Refinancing an existing loan may increase total finance charges over its life.

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HOME + UPGRADES

Renovation loans

Finance the home you want, including eligible updates, in a single loan and closing.

  • Purchase or refinance with eligible improvements included
  • One loan and one closing for some programs
  • Find a renovation option that fits your project
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LITTLE OR NOTHING OUT OF POCKET

Down payment assistance

Eligible grant and assistance programs may help cover part of your down payment and closing costs.

  • Grants and second-lien assistance programs
  • Eligibility and amounts vary by program
  • May pair with FHA, VA, USDA or conventional loans
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ALTERNATIVE HOUSING

Manufactured homes

More affordable housing possibilities, with the amenities of a single-family home and different financing considerations.

  • Conventional, FHA and VA options for eligible homes
  • Primary residence requirements vary
  • Property and foundation requirements apply
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BEYOND THE BASICS

Specialty financing

Solutions for self-employed buyers, investors and homeowners tapping equity.

  • Bank statement and non-QM loan options
  • DSCR loans for eligible investors
  • HELOC and reverse mortgage options
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NOT SURE WHICH ONE
FITS?

Tell me your goals and I'll compare programs side by side — including any down payment assistance you may qualify for. No pressure, no jargon.

CALL 737.222.1989ESTIMATE MY PAYMENT

QUESTIONS I HEAR MOST

Why should I get pre-qualified?

Pre-qualification gives you an early estimate of your potential buying budget based on the information you share. A formal pre-approval generally involves a more detailed review and is still subject to final underwriting and other conditions.

What is the difference between conventional and FHA loans?

Conventional loans aren't government-insured; FHA loans are insured by the Federal Housing Administration. They differ in down payment options, credit guidelines, mortgage insurance and property requirements. We can compare the total costs for your situation.

What are closing costs?

Closing costs can include appraisal, title, lender, recording and prepaid escrow charges. Your actual costs depend on the property, location, loan program and transaction details.

What goes into a monthly payment?

Often it includes principal, interest, property taxes and homeowners insurance. Mortgage insurance and HOA dues may also apply. Taxes, insurance and other costs can change over time.