Who this is for
W-2 employees, salaried professionals, and borrowers with standard income documentation who want competitive rates and a straightforward mortgage process — whether purchasing or refinancing a primary residence, second home, or investment property.
Loan programs available
- Conventional (Fannie Mae / Freddie Mac) — conforming and high-balance
- FHA — lower down payment, flexible credit requirements
- VA — zero down for eligible veterans and active duty
- USDA — rural property financing with zero down
- Jumbo — above conforming limits, up to $2M+
- Rate/term refinance and cash-out refinance
General parameters
Min. Down Payment
0% (VA/USDA) to 5% (Conventional)
Loan Terms
10, 15, 20, 25, 30 years
Min. Credit Score
580 (FHA) / 620 (Conventional)
Max Loan Amount
Up to $2M+ (jumbo)
Rate Types
Fixed and adjustable (ARM)
Occupancy
Primary, second home, investment
Rates and terms subject to credit approval and current market conditions. Specific guidelines vary by program and lender.
Why go through a broker vs. a bank
- We shop your loan across multiple lenders — banks only offer their own rates
- More programs and more flexibility than any single institution
- Faster approvals and direct access to underwriting
- You get a real person, not a call center