Whether you're a first-time buyer, veteran, investor, or self-employed professional — I have a loan program tailored to your situation.
From government-backed programs with flexible requirements to specialized products for investors and foreign nationals — I cover it all.
Traditional mortgage loans backed by Fannie Mae and Freddie Mac with competitive rates for borrowers with strong credit and stable income.
Government-backed loans insured by the Federal Housing Administration, designed to make homeownership accessible to borrowers with lower credit scores or smaller down payments.
Special financing exclusively for veterans, active-duty service members, and eligible surviving spouses — with no down payment required and no private mortgage insurance.
Zero down payment loans backed by the U.S. Department of Agriculture for eligible rural and suburban property purchases — an often-overlooked gem for qualified buyers.
Luxury home financing above conforming loan limits — designed for high-value properties with minimal down payment requirements and competitive rates.
Flexible income verification solutions for self-employed borrowers, business owners, freelancers, and contractors who don't fit traditional documentation requirements.
Debt Service Coverage Ratio loans allow investors to qualify based on rental income rather than personal income — ideal for growing a real estate portfolio.
Specialized financing for pad split properties — shared housing models that are growing in popularity among investors seeking higher returns on single-family homes.
Financing for Airbnb, VRBO, and other vacation rental properties — qualified using short-term rental income data and market comparable rental rates.
Mortgage solutions specifically designed for non-U.S. citizens and foreign nationals looking to purchase property in the United States.
Financing for commercial real estate — including office, retail, industrial, multifamily (5+ units), and mixed-use properties — for experienced investors and business owners.
Use this table to quickly identify which loan type best fits your needs before speaking with a loan officer.
| Loan Type | Min Down Payment | Credit Score | PMI Required | Best For |
|---|---|---|---|---|
| Conventional | 3% | 620+ | If <20% down | Strong credit borrowers |
| FHA | 3.5% | 580+ | Yes | First-time buyers, lower credit |
| VA | 0% | 580+ | ✓ No PMI | Veterans & active military |
| USDA | 0% | 640+ | Annual fee only | Rural/suburban buyers |
| Jumbo | 10–20% | 700+ | Varies | Luxury / high-value homes |
| Self-Employed | 10%+ | 620+ | Varies | Business owners, freelancers |
| DSCR / Investment | 20–25% | 620+ | N/A | Real estate investors |
| Foreign National | 25–30% | N/A | N/A | Non-U.S. citizens |
| Commercial | 20–30% | 660+ | N/A | Commercial real estate |
Our loan officers will review your unique situation and recommend the best program — no pressure, no obligation.