Loan Programs
Conventional
Fixed or ARM. Competitive rates, 3%–20% down for qualified borrowers.
FHA
Flexible credit and 3.5%+ down. Upfront/annual MIP applies.
VA
Zero‑down for eligible veterans and service members. No PMI.
Jumbo
High‑balance loans above conforming limits. Tailored underwriting.
At‑a‑Glance Comparison
| Program | Min Down | MI / MIP | Best For |
|---|---|---|---|
| Conventional | 3%–20% | PMI if <20% | Strong credit, flexible terms |
| FHA | 3.5% | Upfront + annual MIP | Lower down, credit flexibility |
| VA | 0% | No PMI | Eligible VA borrowers |
| Jumbo | 10%–20%+ | Varies | High‑value properties |
Process Timeline
1) Discovery
Quick call to map goals, budget, and timeline.
2) Pre‑Approval
Document review + credit pull → pre‑approval letter.
3) Underwriting
Appraisal, conditions, verifications—managed for you.
4) Clear to Close
Final figures, signing, keys. We stay through the finish.
Calculator
Mortgage Payment
Monthly Payment: —
Guides
FAQ
What documents will I need?
Typically: recent pay stubs, W‑2s/1099s, last 2 months’ bank statements, photo ID, and any asset/loan statements. We’ll send a tailored checklist after your intake.
Does pre‑approval affect my credit?
A hard inquiry is common for official pre‑approval. We can discuss soft‑pull options early in the conversation.
How long does closing take?
Typical purchases close in 21–35 days depending on appraisal, title, and conditions. We drive the process and keep you updated.
Ready to Begin?
Fill out our form and we’ll be in touch shortly.
Equal Housing Opportunity
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NMLS #2642611