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Loan Types

30-Year Fixed Rate

Stability and Peace of Mind

Secure your future with our 30-Year Fixed Rate Mortgage! Offering the comfort of consistent monthly payments and a stable interest rate for the entire loan term, this mortgage plan is ideal if you plan on making your house a long-term home.


What is a 30-Year Fixed Rate Mortgage?
A 30-Year Fixed Rate Mortgage maintains a constant interest rate and monthly payments that do not change over the life of the loan. This predictability makes it one of the most popular mortgage types for homeowners in the United States, especially for those who value long-term budgeting and stability.

Why Choose a 30-Year Fixed Rate Mortgage?

  • Predictable Payments: Enjoy the ease of budgeting with payments that remain the same for the duration of your mortgage.

  • Long-Term Cost Effectiveness: Ideal if you intend to stay in your home for seven years or more.

  • Interest Rate Security: Lock in a low rate now, without worrying about future market fluctuations.

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FHA Loan

Affordable Home Financing Solutions

Unlock the door to your new home with our competitive FHA Loan offers! Tailored for both first-time home buyers and seasoned investors, our FHA Loans provide an accessible and affordable pathway to homeownership.

What is an FHA Loan?
An FHA Loan is a mortgage that is insured by the Federal Housing Administration (FHA). This program, established during the 1930s, aims to minimize the risk for lenders and boost the housing market by making home loans more accessible. With the backing of the federal government, FHA Loans offer security to lenders in the event of borrower defaults, encouraging them to offer better terms.

Why Choose an FHA Loan?

Minimal Down Payment: As low as 3.5%, making it significantly easier to afford upfront costs.
Flexible Credit Requirements: Accessible to borrowers with less-than-perfect credit scores.
Variety of Options: Whether you need fixed rates, adjustable rates, or jumbo loans, our diverse offerings ensure you find the perfect match for your financial situation.

Jumbo Loan

Financing Your Dream Home Made Simple

Step into luxury with our Jumbo Loan offerings! Designed for properties that exceed the usual conforming loan limits, our Jumbo Loans provide the financial flexibility needed for high-value properties across the U.S., including special regions like Alaska, California, Hawaii, Guam, and the U.S. Virgin Islands.

What is a Jumbo Loan?

A Jumbo Loan is a type of financing that surpasses the loan limits set by Fannie Mae and Freddie Mac. For most of the U.S. in 2024, this limit is $766,550, but it rises to $1,149,825 in designated high-cost areas. Jumbo Loans are typically used to purchase or refinance higher-priced properties that require larger loan amounts than conventional loans allow.

Why Choose a Jumbo Loan?

  • Higher Loan Limits: Borrow up to $5 million to finance your dream home.

  • Single Loan Convenience: Avoid the complexity of multiple mortgages with one comprehensive loan.

  • Competitive Terms: Although rates are slightly higher due to increased risk, we offer competitive pricing to make your investment worthwhile.

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VA Loans

Empowering Veterans with Affordable Homeownership

Step into your dream home with our exclusive VA Loan options! Designed for American veterans and their surviving spouses, our VA Loans provide a sustainable and cost-effective route to homeownership, backed by the U.S.


Department of Veterans Affairs.

What is a VA Loan? A VA Loan is a mortgage in the United States guaranteed by the U.S. Department of Veterans Affairs. It's available through qualified lenders and offers long-term financing to help eligible veterans, or their surviving spouses who have not remarried, buy, build, repair, retain, or adapt a home for personal occupancy.

Why Opt for a VA Loan?

  • No Down Payment: Most cases require no down payment, making home buying more accessible.

  • Flexible Credit Requirements: Accommodates various financial and credit situations.

  • Negotiable Interest Rates: You have the power to negotiate your interest rates with the lender.

  • Government Guarantee: Provides security to lenders, potentially resulting in better terms for borrowers.

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USDA Loans

Your Gateway to Rural Homeownership

Explore the possibilities of rural living with our USDA Loan programs! Tailored for low- to moderate-income individuals looking to buy, renovate, or repair homes in rural areas, USDA loans offer a pathway to homeownership with favorable terms and minimal barriers.

What is a USDA Loan?

USDA Loans are issued by the United States Department of Agriculture as part of its Rural Development program. These loans are designed to encourage rural development and provide affordable homeownership opportunities to those who qualify. Popular USDA loan options include the Single Family Direct Homeownership Loan, Single Family Guaranteed Homeownership Loan, Rural Repair and Rehabilitation Loans, and Mutual Self-Help Loans.

Why Choose a USDA Loan?

  • No Down Payment Required: Most USDA loans do not require a down payment, making it easier to purchase a home without substantial savings.

  • Low Interest Rates: Benefit from some of the lowest rates available, with some programs offering rates as low as 1%.

  • Flexible Credit Requirements: Qualification criteria are generally more lenient than conventional loans, focusing on your ability to repay rather than your credit score alone.

  • Use of Gifts or Grants: You can use gifts or grants to cover your mortgage, further reducing out-of-pocket expenses.

203K Loans

Revitalize Your Future Home with Ease

Transform a fixer-upper into your dream home with our FHA 203K Loans! Ideal for purchasing homes that need a little TLC, our 203K Loans combine purchase and repair costs into a single mortgage, making renovation simple and affordable.

What is a 203K Loan?
An FHA 203K Loan is a government-backed mortgage that allows you to finance the purchase of a house along with the cost of its renovations through a single loan. Perfect for homes that require new bathrooms, kitchens, or other significant repairs, a 203K Loan simplifies the process of buying and renovating a property.

Why Opt for a 203K Loan?

  • Comprehensive Financing: Get funds for both buying and renovating your home.

  • Contingency Reserve: Up to 20% contingency reserve for unforeseen expenses ensures your renovations go smoothly.

  • Mortgage Payment Relief: Provision for up to six months of mortgage payments allows you to live elsewhere during major renovations.

  • Accessible Financing: Minimal down payment requirements and competitive interest rates make it easier to start your renovation project.

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Reverse Mortgage

Unlock Your Home's Potential

Experience financial flexibility in retirement with our Reverse Mortgage solutions! Specifically designed for homeowners aged 62 and older, this loan type allows you to tap into your home equity and transform it into cash without the burden of monthly mortgage payments.

What is a Reverse Mortgage?

A Reverse Mortgage is a type of loan that enables senior homeowners to convert a portion of their home equity into cash while retaining home ownership. These loans are insured by the Federal Housing Administration (FHA) and are known as Home Equity Conversion Mortgages (HECM).

Why Consider a Reverse Mortgage?

  • No Monthly Mortgage Payments: Convert your equity into cash without the obligation to make monthly payments.

  • Financial Freedom: Use the funds to cover medical expenses, supplement retirement income, or fulfill other needs.

  • Stay in Your Home: Continue living in your home with the assurance that you won’t have to sell it to access the funds.

  • Pay Off Existing Mortgage: If you have an existing mortgage, it can be paid off with the proceeds from your reverse mortgage, freeing up additional cash flow.

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Start Your Home Buying Journey Today!

Contact us today to find your perfect match!

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Mobile: (707) 529-9951

Office:  (360) 836-5667


By Appointment Only


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