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Purchase Loan Programs

Giving you the best commercial and residential options

Conventional Loans

  • Lowest interest rates available
  • For borrowers with strong credit history
  • Usually requires 20% down payment

Down Payment Assistance

  • 620 Minimum FICO
  • Homebuyer Counseling Required
  • Must occupy property as primary residence

1% Down Payment

  • 620 Minimum Credit Score
  • Reduced Mortgage Insurance
  • Not limited to first-time homebuyers

FHA Purchase

  • Low Down Payment, Flexible Sources
  • Optional Mortgage Insurance
  • Simple Qualifications

3% Down for 1st Time Buyers

  • 97 LTV – Scores as low as 620 (not FHA)
  • This is only available for first-time buyers
  • Maximum loan amount of $417,000

VA Loans

  • Lower interest rates and upfront costs
  • Purchases and refinance options
  • Allows up to 100% financing for Veterans

HomeReady Program

  • Down payments as low as 3 percent
  • Home Possible Mortgage Program
  • HomeStyle Renovation Program

Home Possible Mortgage Program

  • Flexible credit terms and payment options
  • Reduced PMI requirements
  • No cash reserve requirement options

10% Down Payment With No PMI

  • Primary and secondary homes
  • Credit score of 680
  • 30-year fixed-rate

Back to Work Program

  • Good credit history
  • Financing solution for the right borrowers
  • FHA loan requirements

Co-Op Purchase Loans

  • Purchase or Refinance at 95% Financing
  • Investment Co-Op & second home Co-Ops
  • 24 years of Co-Op financing experience

High Balance loans

  • Qualify for loan amounts up to $3 million
  • Available for self-employed borrowers
  • Cash-out refinances up to 70% LTV

Condo Purchase Mortgages

  • 97% Financing with 640 credit scores
  • 80% Financing on investment condos
  • Non-Warrantable condos specialists

Home Key Program

  • Loan amounts of up to $1.5 million
  • 75 LTV
  • 50 percent debt-to-income ratio

No Income Check

  • No Income / No Employment Needed
  • Up to 75 LTV
  • Credit Score 680

Condo Purchase Mortgages

  • 97% Financing with 640 credit scores
  • 80% Financing on investment condos
  • Non-Warrantable condos specialists

No Obligation

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Questions? Concerns? Contact our award-winning team today regarding your unique mortgage needs. We are here to make our 50+ years of experience in the industry work for you.

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