• We now offer a 40-year loan with the first 10 years as interest only, enjoy a low monthly mortgage payment!!!
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Purchase Loan Programs

Purchase Loan Options Available To You

Below are just a few loan programs that we offer to the public, We are purchase specialists and have been for the past 2 decades. Please contact us for a FREE consultation with one of our licensed loan originators. You’ll be glad you did so.


Conventional Loans

  • Conventional loans get the lowest interest rates available
  • Perfect for buyers who have strong credit history.
  • Usually requires 20% down payment.


1% Down Payment

  • 620 Minimum Credit Score for All Borrowers
  • Reduced Mortgage Insurance
  • Not limited to first-time homebuyers

FHA Purchase

  • Low Down Payment, Flexible Sources.
  • Optional Mortgage Insurance
  • Simple Qualifications

3% Down Payment for 1st Time Home Buyers

  • 97 LTV – Scores as low as 620 – This is not an FHA loan.
  • This is only available for first-time buyers
  • Available with a maximum loan amount of $417,000

VA Loans up to 100% LTV

  • VA loans have lower interest rates and lower upfront costs.
  • VA loans are available for home purchases and refinancing.
  • VA allows up to 100% financing for Veterans.

Home Ready Program

  • Down payments as low as 3 percent
  • Home Possible Mortgage Program
  • HomeStyle Renovation Program

Home Possible Mortgage Program

  • Flexible credit terms and low down payment requirements
  • Program offers significantly reduced PMI requirements.
  • There are no cash reserve requirements on one-unit properties

Home Style Renovation Program

  • Available For Up To 80% LTV
  • Borrowers Can Own Up To 4 Financed Properties
  • No Minimum Repair Amount Required

Back to Work Program

  • Good credit history
  • Financing solution for the right borrowers
  • FHA loan requirements

Co-op Purchase Loans

  • Purchase or Refinance at 95% Financing
  • Investment Coops and Second Home Coops Permitted
  • 24 years of Coop Financing, we know Coops.

High Balance – Jumbo/Super Jumbo

  • Qualify for loan amounts up to $3 million
  • Available for self-employed borrowers
  • Cash-out refinances up to 70% LTV for primary residences

Condo Purchase Mortgages

  • 97% Financing with 640 credit scores
  • 80% Financing on investment condos
  • Non-Warrantable condos specialists

Home Key Program

  • Loan amounts of up to $1.5 million
  • 75 LTV
  • 50 percent debt-to-income ratio

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