Compare Loans

Fixed Rate Loans

  • 30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.

  • Buy a home with as little as 3% down (primary home).

  • Refinance up to 95% of your primary home's value.

  • Monthly payments remain the same for the entire loan term.

Adjustable Rate Loans

  • 3/1, 5/1, and 7/1 ARM's. Monthly payments based on a 30 year repayment schedule.

  • The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.

FHA Loans

  • 3.50% minimum down payment required on purchase.

  • Minimum credit score usually 620.

  • Post-bankruptcy qualifying - 2 years after.

  • Post-foreclosure qualifying - 3 years after.

VA Loans

  • Competitive interest rates that are routinely lower than conventional rates.

  • Sellers can pay up to 6 percent of closing costs and concessions.

  • Higher allowable debt-to-income ratios than for many other loans.

  • Down payment as low as 0%.

USDA Loans

  • 100% financing for homes in rural areas.

  • Available to low and moderate income households.

  • Minimum credit score 620

  • First time and repeat home buyers.

  • Gift Funds and Seller Contributions allowed to cover ALL or part of closing costs.

Jumbo Loans

  • For loan amounts over the current Conforming loan limit.

  • Up to 95% LTV on purchases

  • Loans up to $3,500,000

  • 660 minimum score.

  • Available on owner-occupied, 2nd homes, and investment properties.

Bank Statement Loans

  • Great for Self-Employed, 1099 employee and ‘Gig-economy’ workers.

  • 2 month, 12 month, and 24 month bank statement options.

  • Up to 90% LTV available for home purchase and rate and term refinance.

  • Up to 85% LTV available for cash-out refinance.

Investment Property Loans

  • Up to 85% LTV available for Investment Property purchase.

  • Non-Income Verification/Stated and No-Ratio options available for simpler loan approvals.

  • Property Types: SFR, Townhouse, Condo, Condotel, 2-4 Unit, 5-8 Unit, and Care Facilities allowed.

  • Purchase, Refinance, and Cash-out Refinance.

No Score & Limited Credit Loans

  • No Credit Score and/or No Credit accounts on credit report is allowed for U.S. Citizens, Permanent Residents, Immigrants with SS# or ITIN#, with or without Work VISA, and Foreign National’s.

  • 1 score co-borrowers allowed on FHA and Conventional loans.


  • ITIN eligible with or without Work Visa

  • ITIN can get up to 90% LTV on purchase loan.

  • ITIN qualifying with Bank Statements can get up to 90% Loan-to-Value on purchase loan.

  • ITIN Jumbo loans.

  • No Score ITIN eligible with Full doc qualifying up to 65% LTV.