Home Purchase Loans

Purchase Loan Options

Every borrower is different. That's why we pair you with the right program — not the most profitable one for us.

Conventional Loans

Traditional mortgages backed by Fannie Mae or Freddie Mac — ideal for borrowers with solid credit and steady income.

Down payments starting at 3% for qualified first-time buyers
Fixed and adjustable rate options (15, 20, 30 year)
Primary home, second home, or investment property
PMI drops off automatically once you reach 22% equity

FHA Loans

Government-insured loans designed for first-time buyers and borrowers rebuilding credit.

Down payments as low as 3.5%
More flexible credit and debt-to-income guidelines
Gift funds from family fully allowed
Assumable by a future buyer — a real advantage in rising-rate markets

VA Loans

Exclusive benefits for eligible veterans, active-duty service members, National Guard, Reserves, and surviving spouses.

Zero down payment required
No private mortgage insurance (PMI) — ever
Competitive rates and limited closing costs
Reusable VA entitlement for future purchases

USDA Loans

Zero-down-payment loans for eligible rural and many suburban areas — more places qualify than you think.

100% financing available
Low monthly mortgage insurance
Flexible credit guidelines
Income and property-eligibility requirements apply

Jumbo & Super-Jumbo

Financing above conforming loan limits for luxury, coastal, and high-cost-area purchases.

Loan amounts above $806,500 (2026 conforming limit)
Competitive jumbo rates from portfolio lenders
10%-down jumbo options for qualified borrowers
Interest-only and ARM structures available

First-Time Buyer Programs

State-specific down payment assistance, bond loans, and grants layered on top of your primary loan.

SC Housing down payment assistance
Texas TSAHC & TDHCA programs
Homebuyer education credits
Closing cost assistance stacking strategies

Bank Statement / Self-Employed

For entrepreneurs, 1099 contractors, and gig workers whose tax returns don't tell the whole story.

Qualify on 12 or 24 months of bank statements
No tax returns required for most programs
Primary, second, or investment properties
Down payments from 10%

Investment & DSCR Loans

For real estate investors scaling a rental portfolio — qualification based on rent, not personal income.

Debt-Service-Coverage-Ratio (DSCR) qualification
No personal income or tax-return review
LLC-titled closings allowed
Short-term rental property programs

Important: Interest rates and terms are subject to change and vary based on creditworthiness, loan program, occupancy, property type, loan-to-value, and market conditions. Not all borrowers will qualify for all programs. This is not a commitment to lend. All loan programs are subject to underwriting approval.