Home Loan Programs
Conventional Loans
Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac. Typically, conventional loans have better rates, terms and/or lower fees than other types of loans. However, conventional loans typically require a borrower to have good-to-excellent credit, reasonable amounts of monthly debt obligations, a down payment of 5-20% and reliable monthly income. Conventional loans are ideal for borrowers with excellent credit and at least a 5% down payment.
FHA Loans
It's easy to understand why many people looking for a new home are turning to FHA insured loan programs. Because FHA Loans are insured by the Federal Housing Administration homebuyers have an easier time qualifying for a mortgage. Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit.
USDA Loans
A USDA Loan is a mortgage loan that is insured by the US Department of Agriculture and available to qualified individuals who are purchasing or refinancing their home loan in an area that is not considered a major metropolitan area by USDA.
VA Loans
A VA loan is a mortgage loan guaranteed by the U.S. Department of Veteran Affairs (VA) that is available to most US service members. It offers some very great benefits to those that have served our country.
Non-QM
Non-QM (Non-Qualified Mortgage) loans are designed for borrowers who don’t fit the traditional lending box but still deserve access to home financing. These programs are especially helpful for self-employed individuals, real estate investors, or those with unique income situations that don’t show up neatly on tax returns. Instead of relying solely on W-2s or strict debt-to-income guidelines, Non-QM loans may use alternative documentation such as bank statements, rental income, or asset-based qualifications. They provide flexibility without sacrificing professionalism, giving more people the opportunity to achieve or expand their homeownership goals.
Reverse Mortgages
A reverse mortgage is a special type of home loan designed for homeowners age 62 and older, allowing you to convert part of your home’s equity into cash without having to sell your home or make monthly mortgage payments. The funds can be received as a lump sum, monthly payments, a line of credit, or a combination, giving you flexibility to supplement retirement income, cover expenses, or simply create more financial peace of mind. You’ll continue to own and live in your home as long as you meet basic obligations such as paying property taxes, homeowner’s insurance, and keeping the home maintained. A reverse mortgage can be a valuable tool to support financial independence and stability in retirement.
State Licenses
AK #AKMLO-1931543
UT #6772871
NV #81113
