Loan Options
Find the Right Loan for Your Situation
Every borrower is different. I'll help you understand your options and choose the loan that fits your goals — not just the one that's easiest to sell.
Conventional Loans
The Standard — and Often the Smartest Choice
Conventional loans are the most widely used mortgage type. They offer competitive rates, flexible terms, and no upfront mortgage insurance if you put 20% down. Great for buyers with solid credit and stable income.
- Down payments as low as 3%
- Fixed or adjustable rate options
- Loan terms from 10 to 30 years
- No upfront mortgage insurance with 20% down
- Available for primary homes, second homes, and investment properties
- Conforming loan limits up to $766,550 (higher in some areas)
FHA Loans
Lower Bar to Entry. Real Path to Ownership.
Backed by the Federal Housing Administration, FHA loans are designed to help more people qualify for a mortgage — especially first-time buyers or those rebuilding their credit.
- Down payments as low as 3.5%
- Credit scores as low as 580 accepted
- More flexible debt-to-income ratios
- Seller can contribute up to 6% toward closing costs
- Available for 1–4 unit primary residences
- Mortgage insurance required for the life of the loan (unless refinanced)
VA Loans
You Served. This Benefit Is Yours.
VA loans are one of the most powerful mortgage benefits available — and most veterans never use them. No down payment, no private mortgage insurance, and competitive rates. If you qualify, this is almost always the best option.
- $0 down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Flexible credit requirements
- Available for purchase, refinance, and cash-out
- Available to veterans, active duty, and eligible surviving spouses
Refinancing
Your Current Rate Isn't Your Forever Rate.
If rates have dropped since you bought your home — or your financial situation has improved — refinancing could save you hundreds per month. We'll run the numbers and tell you honestly if it makes sense.
- Rate-and-term refinance to lower your payment
- Cash-out refinance to tap home equity
- Streamline refinance options for FHA and VA loans
- Break-even analysis included — no guessing
- Can remove PMI once you reach 20% equity
- Shorten your loan term and build equity faster
Jumbo Loans
Bigger Home. Bigger Loan. Same Personal Service.
For homes that exceed conventional loan limits, jumbo loans provide the financing you need. These require stronger qualifications but offer competitive rates for well-qualified borrowers.
- Loan amounts above $766,550
- Fixed and adjustable rate options
- Typically requires 10–20% down
- Strong credit and reserves required
- Available for primary, second homes, and investment properties
- Competitive rates for qualified borrowers
USDA Loans
Zero Down. If You Qualify, This Is a Hidden Gem.
USDA loans are backed by the U.S. Department of Agriculture and offer 100% financing for eligible rural and suburban properties. Many suburban areas qualify — it's worth checking.
- $0 down payment for eligible areas
- Below-market interest rates
- Low mortgage insurance costs
- Income limits apply (varies by area)
- Property must be in an eligible rural/suburban area
- Primary residence only
Not Sure Which Loan Is Right for You?
That's exactly what I'm here for. Call me or start an application and I'll walk you through your options — no pressure, no jargon.