Loan Choices

Finding a great home loan involves careful consideration of your needs, finances, and credit history. I am here to guide you through this process, ensuring you understand your options and secure the best possible loan for your situation. With expertise in California, North Carolina, and Texas markets, I will help you navigate every step quickly and efficiently. Let’s work together to make your homeownership goals a reality.

Purchase

Fixed Rate

With a fixed-rate mortgage, the interest rate and payments remain consistent throughout the entire term of the loan. This approach provides borrowers with predictability and financial stability, eliminating concerns about fluctuating monthly payments due to interest rate changes.

USDA Loan

Purchase a home with no money down in certain rural and suburban areas by taking advantage of specialized loan programs designed to support buyers in these locations.

Low Down Payment Options

Choose an option to purchase a home with no money down in by taking advantage of specialized loan programs designed to support buyers, providing an affordable pathway to homeownership.

DSCR Home Loan

Utilize the debt-service coverage ratio (DSCR) to secure the right home loan by demonstrating your ability to cover loan payments with your income, such as rental income.

FHA Loan

An FHA loan offers a government-insured mortgage with flexible loan options designed to make homeownership more accessible.

Jumbo Loan

Jumbo loans offer maximum flexibility for home financing larger loan amounts, enabling buyers to secure the property they desire without the constraints of conventional loan limits.

Investment Property

Certain specialized loan programs allow buyers to purchase vacation or investment properties with low or no money down, to encourage homeownership and investment.

Seller-Paid Buydown

Reduce your mortgage payments with the assistance of the seller by exploring options that allow you to purchase a home by offering seller contributions or assistance toward closing costs.

VA Loan

VA loans offer competitive interest rates on both fixed-rate and adjustable-rate mortgage (ARM) options.

First Time Home Buyer

Popular loan programs for first-time homebuyers often include options that require no money down, especially in designated rural and suburban areas. These specialized loan programs aim to support buyers by reducing upfront costs, making homeownership more accessible.

Bank Statement Program

Use your bank statements to secure a favorable home loan by showcasing your consistent income and financial stability, even if traditional income documentation is limited.

Refinance

Refinance

Mortgage refinancing may significantly lower your monthly payments, making it easier to manage your budget and improve your overall financial situation.

Cash-Out Refinance

Access your home equity easily for a variety of important financial purposes, such as remodeling, home improvements, or debt management.

VA Loan Refinance

There are two primary methods available to refinance your VA loan.