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Residential Mortgages are not all equal. You have dozens of options. Some offer you lower monthly payments, while others save you money over the term of the loan.

Find out what type of residential loan will work best for you.

FHA Loans

FHA loans are a great option if you have good credit, a little money saved for a downpayment, and you are a first-time homebuyer.

The terms of an FHA loan are strict, but you will save money over the life of the loan, AND you will lock-in a lower monthly payment.

If you already own your home and need to lower your monthly payment or  want to lock in a lower rate, refinancing is a great option!

Today's rates have never been lower, and you can ensure a return on investment using our refinancing formula.

First Time Homebuyers

Navigating the process of buying a home can be tricky. And there is a difference between what you CAN afford and what you SHOULD buy. 

We will get to know you, what you want, what you need, and help you figure out the best financial plan for you.

Zero Down Mortgage

If you want to buy a home but don't have much in savings, a zero-down mortgage might be perfect for you.

There are specific criteria you need to meet to qualify for these loans, and there are still other costs like home inspection and appraisals that will require some out of pocket costs.

VA Loans

First, thank you for your service! Helping veterans apply for VA loans is one of the most rewarding parts of our job.

Second, you need to know the advantages of a VA loan and some of the loan program's quirks.

Conventional Loans

In general, if you have good credit, 20% or more for a downpayment, and a low debt-to-income ratio, a conventional mortgage might be your best option for the lowest rate and the best payment terms.

There is no signal set of requirements for conventional loans; however, independent mortgage brokers can compile your information and shop your loan to dozens of banking institutions without penalizing your credit score.