Home Loan Programs
Conventional Loans
Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac. Typically, conventional loans have better rates, terms and/or lower fees than other types of loans. However, conventional loans typically require a borrower to have good-to-excellent credit, reasonable amounts of monthly debt obligations, a down payment of 5-20% and reliable monthly income. Conventional loans are ideal for borrowers with excellent credit and at least a 5% down payment.
FHA Loans
It's easy to understand why many people looking for a new home are turning to FHA insured loan programs. Because FHA Loans are insured by the Federal Housing Administration homebuyers have an easier time qualifying for a mortgage. Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit.
USDA Loans
A USDA Loan is a mortgage loan that is insured by the US Department of Agriculture and available to qualified individuals who are purchasing or refinancing their home loan in an area that is not considered a major metropolitan area by USDA.
VA Loans
A VA loan is a mortgage loan guaranteed by the U.S. Department of Veteran Affairs (VA) that is available to most US service members. It offers some very great benefits to those that have served our country.
DSCR Loans
A DSCR (Debt Service Coverage Ratio) Loan is a mortgage designed specifically for real estate investors who want to qualify based on the income their property generates rather than their personal income. Instead of requiring tax returns, W-2s, or proof of employment, lenders look at whether the rental income from the property covers the mortgage payment. DSCR Loans are ideal for self-employed investors, those scaling a rental portfolio, and borrowers who want a faster, simpler path to financing investment properties.
Commercial Loans
A Commercial Loan is financing used to purchase, refinance, or improve income-producing properties such as office buildings, retail centers, warehouses, mixed-use buildings, and industrial spaces. Commercial Loans typically require a larger down payment than residential loans, but they offer flexible terms tailored to the property's cash flow and the borrower's business plan. Commercial Loans are ideal for business owners purchasing their own facility, as well as investors looking to expand into commercial real estate.
Multifamily Loans
Multifamily Loans are mortgage loans for properties with five or more residential units, including apartment buildings, townhome communities, and large rental complexes. Because multifamily properties generate rental income from multiple tenants, lenders evaluate the property's cash flow and operating performance alongside the borrower's experience and credit. Multifamily Loans offer competitive rates and longer amortization periods, making them ideal for investors looking to build long-term wealth through scalable rental income.
Hard Money Loans (HMLs)
A Hard Money Loan is a short-term, asset-based loan secured by real estate and funded by private lenders rather than traditional banks. Approval is based primarily on the value of the property rather than the borrower's credit profile, which allows for fast closings, often within days. Hard Money Loans are ideal for fix-and-flip investors, builders, and borrowers who need quick access to capital for time-sensitive opportunities or properties that don't qualify for conventional financing.
SBA Loans
An SBA Loan is a small business loan partially guaranteed by the U.S. Small Business Administration and issued through approved lenders. Because the SBA backs a portion of the loan, lenders can offer lower down payments, longer repayment terms, and more flexible qualifying guidelines than traditional business loans. SBA Loans can be used for purchasing owner-occupied commercial real estate, acquiring an existing business, refinancing business debt, or funding working capital. SBA Loans are ideal for entrepreneurs and small business owners looking for affordable, long-term financing.
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(720) 431-1797
5343 W Sweet Pea Terrace, Laveen Village Phoenix, Arizona 85339
