Your Dream Home is Closer Than You Think

What it is: An FHA loan is a government-backed mortgage designed to help buyers with lower credit scores or smaller down payments.

Why it's beneficial:

Down payments as low as 3.5%

Flexible credit score requirements (as low as 580, sometimes 500 with higher down payment)

Great for first-time or credit-challenged buyers

Allows gift funds from family for down payment or closing costs

What it is: A VA loan is a benefit offered to eligible veterans, active-duty service members, and some surviving spouses, backed by the Department of Veterans Affairs.

Why it's beneficial:

No down payment required

No private mortgage insurance (PMI)

Competitive interest rates

Flexible qualification standards

Honors the service of military families by making homeownership more accessible

What it is: A USDA loan is a government-backed loan for buyers purchasing homes in designated rural and suburban areas.

Why it's beneficial:

No down payment required

Low mortgage insurance costs

Competitive interest rates

Designed to make homeownership more affordable in qualifying areas

What it is: A DSCR loan is a type of investment property loan that qualifies borrowers based on the property's income—not their personal income.

Why it's beneficial:

No income or employment verification required

Ideal for real estate investors

Quick and streamlined approval process

Focuses on the property's ability to generate rental income to cover the mortgage

What it is: A conventional loan is a traditional mortgage not insured by the government, typically with stricter qualification guidelines.

Why it's beneficial:

Competitive rates for borrowers with good credit

Flexible property types

Options to avoid mortgage insurance with 20% down

Often lower overall costs for well-qualified buyers

What it is: These programs are designed to help people purchase their first home, often with added perks like down payment assistance, reduced interest rates, or relaxed requirements.

Why it's beneficial:

May include down payment or closing cost assistance

Easier qualification terms

Designed to make buying your first home more affordable and achievable

Can be combined with other loan types (FHA, Conventional, etc.)

Refinancing your mortgage can be a smart financial move for a variety of reasons. Here are some of the most common benefits:

Lower Your Monthly Payment
Refinancing to a lower interest rate or extending your loan term can reduce your monthly mortgage payment and free up room in your budget.

Consolidate Debt
Use your home's equity to pay off high-interest debts like credit cards, student loans, or personal loans—simplifying your finances and potentially saving money.

Adjust Your Loan Term
Whether you want to pay off your home faster with a shorter term or lower your payment by extending the term, refinancing can help you match your mortgage to your financial goals.

Access Cash From Your Equity (Cash-Out Refinance)
Tap into your home's built-up equity to fund home improvements, pay for college, start a business, or cover unexpected expenses.