Find Your Perfect Loan Option
Whether you're buying, refinancing, tapping into your equity, or financing a rental property, here's every program I work with. Use the filters below to jump to what fits your goal.
Conventional Loans
Not backed by a government agency, conventional loans typically offer competitive rates for borrowers with solid credit and stable income.
- Down payments as low as 3–5%
- Fixed or adjustable rate options
- PMI removable once you reach 20% equity
- Good fit for purchases and refinances
FHA Loans
Backed by the Federal Housing Administration, FHA loans make homeownership more accessible for buyers with lower credit scores or a smaller down payment.
- Down payments as low as 3.5%
- Credit score requirements as low as 580
- Sellers can contribute up to 6% toward closing costs
- Available for 1–4 unit properties
VA Loans
A benefit earned through military service, VA loans offer some of the most favorable terms available to eligible veterans and active-duty members.
- Up to 100% financing — no down payment required
- No private mortgage insurance (PMI)
- Competitive, often below-market interest rates
- Flexible credit guidelines
USDA Loans
Zero-down financing backed by the USDA for eligible buyers purchasing in qualifying rural and suburban areas.
- 100% financing — no down payment required
- Reduced mortgage insurance costs compared to FHA
- Available in eligible rural and suburban areas
- Flexible credit guidelines
First-Time Homebuyer Programs
Buying your first home comes with a learning curve — these programs are designed to lower the barrier to entry and I'll walk you through every step.
- Low down payment options (as low as 3%)
- Down payment assistance program guidance
- Flexible qualification guidelines
- Education on the full homebuying process
Down Payment Assistance Loans
Programs designed to help cover your down payment through grants, forgivable loans, or second mortgages — so you can buy sooner without draining your savings.
- Grant and forgivable second-loan options available
- Can be paired with FHA, USDA, or conventional financing
- Income and purchase-price limits may apply
- I'll help identify which programs you qualify for locally
101% Finance
A layered financing structure that can cover up to 101% of your purchase price — rolling down payment assistance and closing costs into your loan.
- Combines a first mortgage with down payment assistance financing
- Built to minimize out-of-pocket cash needed to close
- Covers eligible down payment and closing cost amounts
- Program availability varies by state and property type
DSCR Loans
Built for real estate investors, DSCR (Debt Service Coverage Ratio) loans qualify based on a property's rental income — not your personal tax returns.
- No personal income verification required
- Qualify based on projected or in-place rental income
- Available for single-family, multi-family & short-term rentals
- Close in the name of an LLC
HELOC (Home Equity Line of Credit)
A flexible, revolving line of credit secured by the equity in your home — draw what you need, when you need it.
- Access equity without refinancing your first mortgage
- Great for renovations, debt consolidation, or reserves
- Pay interest only on what you draw
- Flexible draw and repayment periods
Refinance
Whether you want a lower rate, a shorter term, or cash out of your equity, I'll run the real numbers so you can see if refinancing makes sense.
- Rate-and-term refinance to lower your payment
- Cash-out refinance to access equity
- Shorten your loan term and build equity faster
- VA IRRRL and streamline options where eligible
FHA Refinance
Refinance your current FHA loan to lower your rate or adjust your terms, often with reduced documentation and a faster process.
- FHA Streamline Refinance with minimal documentation
- Cash-out refinance options also available
- Potentially lower mortgage insurance premiums
- No appraisal required for many eligible streamline refinances
USDA Refinance
Refinance an existing USDA loan to lower your rate or payment, often through a simplified, streamlined process.
- USDA Streamlined-Assist refinance options
- Little to no appraisal required for eligible loans
- Lower your rate without a full re-underwrite
- Rate-and-term focused — no cash-out option
That's exactly what I'm here for.
Most borrowers don't know which loan program fits their situation — and they shouldn't have to. Tell me about your goals and I'll walk you through the options that actually apply to you.
