Loan Products
Conventional Loan Product
A convential loan is one that is provided by a private lender such as bank or credit union. With a convential loan, you get the money you need upfront, and pay back the lender over the course of loan.
FHA Loan Product
A Federal Housing and Adminstration (FHA) loan is a home mortgage that is insured by the government and issued by a bank or other lender that is approved by the FHA Agency. FHA allows for a lower down
VA Loan Product
The Department of Veterans Affairs (VA) offers loan programs to help service members, veterans, and their families buy homes. The VA sets the rules for qualification and terms. A Certificate of Eligil
ARM Loan Product
The term adjustable rate mortgage (ARM) referes to a home loan with a varible interest rate. With an ARM, the interest rate is fixed for a period of time. These terms are typically offered in 3, 5, 7,
HELOC Loan Product
With a HELOC, you're borrowering against the available equity in your home and the house is used as collateral for the line of credit. As you repay the outstanding balance the amount available increas
FHA-Down Payment Assistance Program (DPA)
FHA-Down Payment Assistance Program (DPA) allow a buyer to take out a 3.5% up to 5% second on a qualifying FHA product. These seconds can be paid back or forgiven. 
USDA Loan Product
USDA Rural Development's Section 502 Direct Loan program provides a path to homeownership to low and very-low income families living in rural areas.
Non-QM Loan Product
Non-QM stands for Non-Qualified mortgage. These loans are for borrowers who may not meet the requirements for standard loan programs. These products contain non-traditional underwriting criteria and g
Second Mortgage Loan Product
This second mortgage can be used as a loan to consolidate debt or as a piggyback loan for a purchase. Typically the maxium loan to value is 90% but can get capped by County Limites
FHA NADA
FHA NADA programs allow borrowers to obtain 3.5% as a second to piggyback a first FHA loan thus allowing 100% financing in some instances. Credit middle score typically needs to be 680 or higher to qu
Construction Loan
A construction loan is a type of loan designed specifically for funding the construction or renovation of a property. Unlike a traditional mortgage loan where you receive the full loan amount upfront,
Bridge Loan
A bridge loan is a type of short-term financing typically used to bridge the gap between two longer-term financing options. It is a temporary loan that provides immediate cash flow to meet current obl
DCSR Loan Product
Debt-Service Coverage Ratio (DSCR) loan allows you to qualify for investment properties (up to 20) based on the prospective monthly rental income.
Multi Family Loan Product
A Multi-Family loan product is a type of financing specifically designed for properties that house multiple families. These properties are typically residential buildings with two or more separate liv
Asset Depletion Loan Product
An Asset Depletion Loan is a type of mortgage loan product that considers a borrower's assets, such as savings, investments, and retirement accounts, as a source of income for qualifying purposes. Thi
Private Loan Product
A private loan refers to a financial arrangement where funds are borrowed from a private entity, such as a non-bank financial institution, private individual, or online lending platform, rather than a
Hard Money Loan Product
A Hard Money loan is a type of short-term financing that is secured by real property. Unlike traditional loans that are issued by banks and other financial institutions, hard money loans are typically