We offer refinance, investment, and purchase home loans.

The loan types we do include conventional, FHA, VA, and the Home Affordable programs.

Closing costs vary based on the type of loan program as well as other factors. However, our closing and other costs are $9,000 cheaper on average than other lenders and banks.

Also, you may qualify for a $5,000 grant toward closing costs as well as a $500 appraisal credit when you use our Fannie Mae HomeReady program!

For a purchase loan, your down payment will depend on the loan program and loan amount, among several other factors.

However, we do have down payment assistance programs available, including as low as 1% down!

The requirement for an appraisal varies based on the loan and other factors. Some loans may require one, whereas others may not.

Many of our loan programs do not require an appraisal, and for many of the programs that do require one, we are often able to get an appraisal waiver or a credit to help reduce the appraisal cost to you.

The average amount of time between initial loan submission and final loan closing in the U.S. hovers between 35-47 days.

But our average closing turnaround is only 14 days from loan submission to closing!

Many of us encounter credit score challenges from time to time. That’s why we offer free credit counseling and specialized loan programs for those with credit scores that may be lower than they would like. In fact, some of our programs allow us to lend with credit scores even as low as 500!

Yes! In fact, we have an Investor Flex loan program specifically for buyers interested in buying investment properties.

We are able to qualify you for an investment property loan using the market rent of the investment property, rather than using your current income to qualify for your loan!

Yes! In fact, we have a Bank Statement loan program specifically for self-employed people in this very situation. We understand that self-employed individuals may not show a lot of income on their taxes for various reasons.

But good news: as long as you can supply bank statements for a certain period of time showing income, we can likely qualify you based on that, even if your tax returns do not show a lot of income activity.