FHA:
Great for low down payments (3% minimum) and buyers who have had bruised credit in the recent past. 

VA:
With VA eligibility, you can purchase a home with no down payment at a great interest rate and the seller can pay the closing costs. 

3% Down Conventional:
If you have a good credit history and can come up with a 3% down payment this is a great program.  Down payment can be a gift from a family member, your own bank or retirement account or may sometimes be withdrawn from a credit card. 

Combination Loans:
With a down payment of 5% - 15% a combination loan will allow you to avoid paying mortgage insurance and having to include the property taxes & home insurance in your payments by obtaining two loans instead of one.  This is a smart way to go because it also allows you a higher tax deduction than a loan with mortgage insurance. 

No Income Verification Loans:
These programs are great for buyers who are self employed, commissioned, have unstable or recent income from bonus or overtime or even for buyers who are in between jobs or who have recently gone into business for themselves.  Many down payment options are available.

Construction Loans:
When you are purchasing a home to be built, these programs allow you to secure an all-in-one loan which will take the home through the construction period and then automatically roll into a permanent loan when construction is completed…all while your rate is securely locked in from the start.

Bruised Credit Loans:
Don’t let your bruised credit stop you from purchasing a home.  I have many lenders who specialize in programs for those who have had bankruptcies, foreclosures, collections etc…  If you want to put your credit and your life back on track, we can look for a program to do just that. 

Bridge Loans:
When you have found the home you want to purchase before you have sold your existing home, these programs transfer equity from one home to the other.

Land/Lot Loans:
If you would like to purchase a piece of land to use as a future residence or a vacation home, you can finance the purchase with a 25% down payment for a 20 year term.