Our Mortgage Services
Comprehensive loan solutions tailored to your needs
100% Doctor Financing
Exclusive financing program for medical professionals with no mortgage insurance required.
This specialized program is designed exclusively for medical professionals, offering 100% financing without the burden of mortgage insurance. Perfect for doctors who want to purchase their primary residence without a down payment while enjoying competitive rates and flexible terms.
Learn MoreProgram Highlights
- No mortgage insurance (MI)
- Max loan amount $2 million
- Primary residence only
- Purchase and rate/term refinance
- Minimum FICO 680 (only 1 score required)
- Gift funds allowed for reserves
- Student loan payments excluded
- 15, 20, & 30 year fixed options
- 5/6, 7/6, and 10/6 ARM options
Eligible Medical Professionals:
Frontline / First Responders Grant
Special grant program for heroes who serve our communities - up to 3.5% grant towards down payment or closing costs.
This exclusive program is designed to honor and support our frontline heroes including teachers, nurses, firefighters, police officers, military personnel, doctors, pharmacists, and more. Receive up to 3.5% grant assistance towards your down payment or closing costs with no repayment required, making homeownership more accessible for those who dedicate their lives to serving others.
Learn MoreProgram Highlights
- Up to 3.5% grant towards down payment or closing costs
- Only 640 credit score needed
- No repayment required
- 1-4 units OK (3-4 units on conventional only)
- No recapture
- No liens on title
- No silent second mortgages
- No income limits
- Available for FHA & Conventional loans
Eligible Professions:
Conventional Loans
Traditional mortgage financing with competitive rates and flexible terms for qualified borrowers.
Conventional loans are ideal for borrowers with good credit scores (typically 620 or higher) and stable income. These loans follow guidelines set by Fannie Mae and Freddie Mac, offering predictable terms and competitive rates for primary residences, second homes, and investment properties.
Learn MoreKey Features
- Down payments from 3% to 20%
- Competitive interest rates
- Fixed-rate and adjustable-rate options
- Loan amounts up to conforming limits
- Private mortgage insurance (PMI) required for down payments less than 20%
- 15, 20, or 30-year term options
FHA Loans
Government-backed loans designed for first-time homebuyers and those with lower credit scores.
FHA loans are insured by the Federal Housing Administration, making them accessible to borrowers who might not qualify for conventional financing. These loans are particularly popular among first-time homebuyers due to lower down payment requirements and more flexible credit guidelines.
Learn MoreKey Features
- Down payment as low as 3.5%
- Credit scores as low as 580 accepted
- More lenient debt-to-income ratios
- Gift funds allowed for down payment
- Assumable loans
- Streamlined refinance options available
VA Loans
Exclusive mortgage benefits for military veterans, active-duty service members, and eligible spouses.
VA loans are guaranteed by the Department of Veterans Affairs and offer exceptional benefits to those who have served our country. These loans provide 100% financing with no monthly mortgage insurance, making homeownership more affordable for military families.
Learn MoreKey Features
- Zero down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Limited closing costs
- No prepayment penalties
- Assumable by qualified buyers
USDA Loans
Rural development loans offering 100% financing for eligible properties in designated areas.
USDA loans are backed by the United States Department of Agriculture and designed to promote homeownership in rural and suburban areas. These loans offer attractive terms for low-to-moderate income borrowers purchasing homes in eligible locations.
Learn MoreKey Features
- 100% financing - no down payment
- Lower mortgage insurance costs
- Competitive interest rates
- Income limits apply
- Property must be in eligible rural area
- Primary residence only
Jumbo Loans
Financing solutions for luxury properties exceeding conventional conforming loan limits.
Jumbo loans are designed for high-value properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. These loans require stronger financial profiles but offer the flexibility needed to purchase luxury homes and properties in high-cost areas.
Learn MoreKey Features
- Loan amounts above conforming limits
- Competitive jumbo rates
- Flexible down payment options
- Higher credit score requirements
- Larger cash reserves needed
- Custom underwriting available
Refinance Options
Multiple refinancing solutions to lower rates, reduce payments, or access home equity.
Refinancing allows you to replace your existing mortgage with a new loan, potentially saving thousands over the life of your loan. Whether you want to lower your monthly payment, pay off your mortgage faster, or tap into your home equity for major expenses, we have refinancing solutions tailored to your goals.
Learn MoreKey Features
- Rate-and-term refinancing
- Cash-out refinancing
- Streamlined refinance programs
- Lower interest rates
- Shorten loan term options
- Debt consolidation opportunities
First-Time Homebuyer Programs
Specialized programs and assistance for those purchasing their first home.
First-time homebuyer programs are designed to make homeownership accessible and affordable. We offer specialized guidance, educational resources, and access to programs that can help with down payments and closing costs, making your dream of homeownership a reality.
Learn MoreKey Features
- Lower down payment requirements
- Down payment assistance programs
- First-time buyer education
- Flexible credit guidelines
- Competitive interest rates
- Various loan product options
Adjustable-Rate Mortgages (ARM)
Flexible mortgage options with initial lower rates that adjust over time.
Adjustable-rate mortgages offer lower initial interest rates compared to fixed-rate loans, making them attractive for borrowers who plan to sell or refinance before the rate adjusts. ARMs can provide significant savings in the early years of your mortgage.
Learn MoreKey Features
- Lower initial interest rates
- 3/1, 5/1, 7/1, and 10/1 ARM options
- Rate caps for protection
- Potential for lower payments
- Ideal for short-term ownership
- Convertible options available
Fixed-Rate Mortgages
Stable, predictable monthly payments with interest rates that never change.
Fixed-rate mortgages provide peace of mind with interest rates and monthly payments that remain constant throughout the life of your loan. This stability makes budgeting easier and protects you from market fluctuations and rising interest rates.
Learn MoreKey Features
- Consistent monthly payments
- Protection from rate increases
- 15, 20, or 30-year terms
- Easier budgeting
- Long-term stability
- No surprises
Ready to Get Started?
Contact us today to discuss which mortgage product is right for you