Loan Programs

Renovation Loans

Renovation loans allow borrowers to finance the purchase or refinance of a property and the cost of improvements with a single mortgage. These programs are available through FHA, Conventional, VA, and USDA loan options. Because renovation financing involves additional coordination and requirements, partnering with a knowledgeable and experienced lending team is essential.

FHA Loans

FHA loans are insured by the Federal Government and are designed to help buyers who may not meet the stricter guidelines of conventional financing. Borrowers with lower credit scores or higher debt levels may qualify. FHA loans typically require a minimum down payment of 3.5%.

Conventional Loans

Conventional loans are not backed by a government agency. Most fall under “conforming” guidelines, meaning they meet the standards set by Fannie Mae and Freddie Mac. These loans generally require a minimum 5% down payment and stronger credit and debt-to-income ratios compared to government-backed programs.

VA Loans

VA loans are available to qualified Veterans and active-duty service members and offer 100% financing with no down payment required. These loans are guaranteed by the

Department of Veterans Affairs, reducing the risk and allowing for favorable terms for eligible borrowers.

USDA Loans

USDA loans are intended for buyers purchasing homes in eligible rural and select suburban areas. Backed by the U.S. Department of Agriculture, these loans provide zero down payment options, flexible qualification standards, and competitive interest rates for eligible borrowers.

Construction & Alternative Housing Loans

New Construction Loans

Construction loans are short-term financing solutions used to fund the building of a new home. Options include Construction-to-Permanent and Two-Closing Construction loans. Selecting the appropriate loan structure is important to ensure alignment between the borrower and the builder throughout the construction process.

Manufactured Home Loans

Manufactured home financing offers an alternative housing option and can include land acquisition and site development costs. These loans often resemble construction loans and involve specialized requirements. Working with a lender experienced in manufactured housing helps streamline the process.

Modular Home Loans

Modular home loans provide financing for factory-built homes that are assembled on-site. These loans may include land and infrastructure costs and follow a unique construction timeline. Lenders familiar with modular homes can help navigate the distinct steps involved.

Investment & Commercial Financing

Fix-and-Flip Loans

Fix-and-Flip loans are designed for investment properties that will not be owner- occupied. These loans support investors looking to purchase, renovate, and resell properties for profit.

Real Estate Investor Loans

Investor loan programs are available for non-owner-occupied properties and support a variety of strategies, including long-term rentals, fix-and-flips, and BRRR (Buy, Renovate, Rent, Refinance) repeat projects.

Commercial Loans

Commercial loans are specialized financing options for properties such as multi-family buildings, retail spaces, warehouses, and industrial facilities. These loans are structured to meet the needs of business owners and commercial investors.

Equity & Specialized Loan Options

Specialty Product Loans

Specialty or portfolio loan products are tailored for non-traditional or unique borrowing situations, including programs such as doctor loans with zero down payment. These loans often feature adjustable rates or shorter terms designed to address specific financial scenarios.

Home Equity Line of Credit (HELOC)

A HELOC allows homeowners to access their available home equity without altering their existing first mortgage. This second-position line of credit provides flexible access to funds, with borrowers typically making interest-only payments on the amount used.

Second Mortgage Loans

Second mortgage loans enable homeowners to borrow against their equity while maintaining their original mortgage terms. Unlike HELOCs, this option provides a one-time lump sum at closing with structured repayment terms.

Reverse Mortgage Loans

A reverse mortgage allows eligible homeowners to tap into their home’s equity without making monthly mortgage payments. Instead, the loan balance increases over time as interest and fees accrue. The borrower retains ownership and occupancy of the home, and repayment generally occurs when the home is sold or no longer used as a primary residence.

Disclaimer: All information is provided on an “as is” basis. No guarantees are made regarding accuracy, reliability, completeness, or suitability for any purpose, and use of the information is at your own risk.