Purchase Loans

Conventional Loans

Conventional loans are a prime option for buyers with good credit and down payment funds of 5% or more.  They have the least amount of regulations and are usually approved faster than other loan programs.  With a Conventional Loan, a buyer can avoid Private Mortgage Insurance (PMI) with a down payment of 20% or more.   

Jumbo Loans

Jumbo loans are similar to Conventional loans but are not limited to Conventional loan limits. These loans require good credit, usually at least 10% down, liquid reserves after closing funds are accounted for.

FHA Loans

FHA loans are backed by the government and offer home buyers some flexibility. These low-down payment loans are usually ideal for first time buyers. FHA loans are also a good fit for a buyer with less than perfect credit.

VA Loans

A VA loan is a mortgage loan guaranteed by the Veterans Administration. VA loans are a great program for borrowers as they require 0% down payment, no monthly mortgage insurance, no minimum credit score requirement, and they allow for higher debt-to-income ratios to be approved.

USDA Rural Development Loans

The USDA – Rural Development loan is a great program for buyers that are in the low- to moderate-income range. The USDA – Rural Development loan program allows qualified homebuyers to get a loan with minimal closing costs and 0% down payment. The property must be in a qualified USDA – Rural Development area and the buyer must meet the income limit requirements.

Native American Loans

The HUD Section 184 loan program is a great option for Native Americans who are members of a federally recognized tribe. This loan is similar to an FHA loan but has a down payment of only 2.25% and lower upfront and monthly funding fees.

Chris made the whole process easier! He helped us with every aspect of the buying process, he kept in contact with us often and was very punctual through it all! I have already referred friends to him! Great experience!