Loan Programs & Services
VA Loan
What it is: A home loan program backed by the U.S. Department of Veterans Affairs, designed to help military members and their families achieve homeownership with fewer barriers.
Who it’s for: Eligible veterans, active-duty service members, National Guard, reservists, and certain surviving spouses.
Key benefits:
- No down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Limited closing costs, with some covered by the seller
USDA Loan
What it is: A government-backed loan program that helps buyers purchase homes in eligible rural and suburban areas with little to no money down.
Who it’s for: Buyers purchasing in USDA-eligible areas who meet household income requirements.
Key benefits:
- Zero down payment
- Lower mortgage insurance costs than FHA
- Fixed interest rates
- Flexible credit guidelines
FHA Loan
What it is: A loan insured by the Federal Housing Administration, built to make homeownership more accessible — especially for buyers with limited savings or credit history.
Who it’s for: First-time buyers, buyers with lower credit scores, or those with a smaller down payment saved.
Key benefits:
- Down payments as low as 3.5%
- More flexible credit requirements
- Available for 1-4 unit properties
- Assumable loan option for future buyers
Conventional Loan
What it is: A mortgage not backed by a government agency, typically offering the most flexibility for buyers with solid credit and financial standing.
Who it’s for: Buyers with good-to-excellent credit and a stable down payment, including move-up buyers and investors.
Key benefits:
- Competitive rates for qualified borrowers
- No upfront mortgage insurance premium
- PMI can be removed once 20% equity is reached
- Flexible terms (fixed or adjustable)
Interest-Only Loan
What it is: A loan structure where the borrower pays only interest for an initial period, before payments shift to include principal.
Who it’s for: Buyers and investors managing cash flow, or those expecting a future increase in income or planning to sell/refinance before the interest-only period ends.
Key benefits:
- Lower initial monthly payments
- More flexibility with monthly cash flow
- Useful for investment property strategies
- Option to pay down principal early if desired
DACA Loan
What it is: A mortgage option specifically available to DACA (Deferred Action for Childhood Arrivals) recipients, opening the door to homeownership regardless of immigration status.
Who it’s for: DACA recipients with valid work authorization and a valid Social Security number.
Key benefits:
- No requirement for U.S. citizenship or permanent residency
- Down payment options similar to conventional/FHA programs
- Access to the same broad range of loan products as other borrowers
- Personalized guidance through a process that’s often misunderstood
Reverse Mortgage
What it is: A loan that allows homeowners aged 62 and older to convert part of their home equity into income, without giving up ownership of the home.
Who it’s for: Homeowners 62+ looking to supplement retirement income while continuing to live in their home.
Key benefits:
- No monthly mortgage payments required
- Remain in your home while accessing equity
- Funds can be used for any purpose
- Loan is repaid when the home is sold or no longer the primary residence
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