The first step is getting pre-approved for a mortgage! This helps you understand how much home you can afford and shows sellers you’re a serious buyer. Our team will guide you through the process and help you explore your loan options.

Many people believe you need 20% down, but that’s a myth! There are loan programs available with as little as 3% down for qualified buyers. We’ll help you find the best option based on your financial situation.

A higher credit score can help you secure better loan terms, but you don’t need perfect credit to buy a home. We offer loan programs for a wide range of credit profiles and can advise you on improving your score if needed.

If you want to lower your monthly payment, reduce your interest rate, shorten your loan term, or tap into your home’s equity, refinancing could be a great option! We’ll help you run the numbers to see if it makes sense for your situation.

On average, refinancing takes 30 to 45 days, but it can vary depending on your loan type and financial situation. Our team works efficiently to close your loan as quickly as possible.

An FHA loan is a type of mortgage that’s insured by the Federal Housing Administration (FHA), which is a part of the U.S. Department of Housing and Urban Development (HUD). These loans are designed to make homeownership more accessible—especially for first-time buyers or those with less-than-perfect credit.

Key Features of an FHA Loan:

• Low down payment: As little as 3.5% if your credit score is 580 or higher.
• Flexible credit requirements: You may qualify with a credit score as low as 500 (with a 10% down payment).
• Lower closing costs: In some cases, sellers can contribute to closing costs, and there are limits on lender fees.
• Mortgage insurance required: You’ll pay an upfront mortgage insurance premium (UFMIP) and a monthly mortgage insurance premium (MIP) regardless of your down payment.
• Loan limits: There are caps on how much you can borrow, depending on the area.

Who is an FHA Loan Best For?

• First-time homebuyers
• Buyers with lower credit scores or limited savings
• Those who can’t qualify for conventional loans

Pros:

✅ Low down payment

✅ Easier to qualify

✅ Lower rates than conventional loans

✅Higher debt to income ratio allowed

✅Assumable loan

Cons:

⚠️ Mortgage Insurance Premium (MIP)

⚠️ Must be for primary residence only

⚠️Property Standards / meeting strict FHA appraisal guidelines

A VA loan is a mortgage loan backed by the U.S. Department of Veterans Affairs (VA). It's available to eligible veterans, active-duty service members, and some members of the National Guard and Reserves, as well as certain surviving spouses.

Key Features of a VA Loan:

• No down payment required (in most cases)
• No private mortgage insurance (PMI) – a huge cost-saver
• Competitive interest rates
• Limited closing costs
• Flexible credit requirements
• Assumable – meaning a qualified buyer can take over your loan

Who Qualifies?

To be eligible, you generally must meet one of the following:

• Served 90 consecutive days during wartime
• Served 181 days during peacetime
• Served 6+ years in the National Guard or Reserves
• Be the surviving spouse of a service member who died in the line of duty or as a result of a service-connected disability
• You’ll need a Certificate of Eligibility (COE) from the VA to confirm your eligibility.

Pros:

✅ No down payment

✅ No PMI

✅ Lower rates than conventional loans

✅ Easier to qualify for than many other loan types

Cons:

⚠️VA funding fee required for those who are not 10% or more VA Disabled (can be rolled into the loan)

⚠️ Must be for primary residence only

⚠️ Not available to everyone – only to those who meet VA’s service requirements