PURCHASE

•  Typically requires a higher credit score and stronger financial profile. 
•  Offers flexible down payment options—starting as low as 3% for qualified buyers. 
• Buyer's with 20% down payment avoid monthly mortgage insurance.
• Gift funds for closing costs allowed from acceptable donor.
•  Can be used for primary residences, second homes, or investment properties. 
•  Manufactured Home Loans.

•  Backed by the Federal Housing Administration to help more buyers qualify. 
•  Allows lower credit scores and down payments—as low as 3.5% for qualified buyers.
•  Great option for first-time homebuyers or those with limited savings. 
•  Requires mortgage insurance, which is included in monthly payments. 
•  Flexible guidelines for income, credit history, and debt-to-income ratios. 
• Gift funds for closing costs allowed from acceptable donor.
• Manufactured home loans. 

•  Backed by the U.S. Department of Veterans Affairs for eligible veterans and service members. 
•  Requires no down payment and no private mortgage insurance (PMI).
•  Often offers lower interest rates than conventional loans. 
•  Eligibility based on military service; a Certificate of Eligibility (COE) is required. 
• Disabled veterans are exempt from a funding fee
• Easier credit qualifying guidelines
• Gift funds for closing costs allowed from acceptable donor
• Manufactured home loans

•  Backed by the U.S. Department of Agriculture for homes in eligible rural areas. 
•  Offers zero down payment for qualified buyers. 
•  Designed for moderate-to-low income households. 
•  Must be for a primary residence in a USDA-approved location. 
•  Income and location eligibility determined by federal guidelines. 
• Gift funds for closing costs allowed  from acceptable donor.

•  Used to finance homes that exceed conventional loan limits.
•  Ideal for high-value properties or competitive markets where home prices are above standard thresholds. 
•  Requires strong credit, a larger down payment (typically 10–20%), and solid financial documentation. 
• No monthly mortgage insurance
•  Can be used for primary residences, second homes, or investment properties. 

  Designed for borrowers who don’t meet traditional lending criteria (e.g., self-employed, recent credit events). 

•  Offers flexible income verification—bank statements, asset-based, or P&L statements accepted. 
• 12 and 24 month Bank Statement Loan
• DSCR no-income qualifying loan
• No-income No-asset Loan
• ITIN
• Down Payment Assistance
• Foreign National Program Loan
• Condominium Loan
• And More