Major Loan Types:

FHA Purchase Loans. FHA is the most powerful loan program available. FHA is a government backed program for everyone. Traditionally FHA is best known as a program for those looking to purchase a home. The advantage of using FHA for purchasing a home is that FHA allows for only a 3% down payment. In some cases, homes can be purchased with no money down using FHA.

FHA has no income restrictions. Even high income individuals can qualify for FHA loans. Also, FHA has increased their loan limits and in some metropolitan areas you can qualify for an FHA loan up to $729,000. You can check the maximum FHA loan size for your area by clicking here.

FHA also allows you to qualify even if you have less than perfect credit. For example, if your credit score is as low as 580, we can still qualify you for FHA.

FHA Refinance Loans. If you are currently a homeowner, but do not have an FHA loan, FHA allows for you to refinance from your current loan into an FHA loan. The most powerful feature of FHA is that it allows for cash out up to 95% of the value of your home. Recently we approved a family with a 592 credit score for an FHA loan with $27,000 extra cash which they used to pay off all their credit card bills. FHA allows for the same generous credit terms on refinance transactions as on purchases.

FHA also allows for streamline refinances. If you are currently in an FHA loan at a higher rate, we can streamline you into a lower rate!

FHA Bankruptcy Programs. FHA can qualify you if you are two years removed from a Chapter 7 Bankruptcy discharge. If you are currently in a Chapter 13 Bankruptcy for at least one year or more, we can pay off your outstanding Bankruptcy balance saving you hundreds every month.

VA Loans. VA is similar to FHA but it is a benefit given by the Veterans Administration to those brave men and women who have served our country and have qualified for Veteran's Benefits. These loans allow 100% financing.

A-Paper Loans. These loans are also typically known as Conforming or Conventional loans. These loans are for borrowers who have good credit, an excellent employment history, and have at least 5% down payment or equity in the home.

Non-Prime Loans. These loans are for borrowers with less than perfect credit. This would include borrowers with late payments, bankruptcies, judgements, repossessions, etc. If you have less than perfect credit, you can qualify for these excellent programs. This category also includes those borrowers who have a difficult time documenting their income and need to do a 'stated income' loan.

Creative Financing. This is for borrowers who do not fit in the above categories. This includes borrowers who are about to lose their home due to foreclosure, investors who need money fast, or for borrowers who need customized financial products.