Domestic Mortgages

RESIDENTIAL MORTGAGE

  • A conventional or traditional mortgage loan is designed for borrowers looking to finance residential properties with 1-4 units.
  • These are income-producing properties used solely for business purposes.
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FHA Loans, First-Time Home Buyers

  • FHA loans are designed for first-time homebuyers and those purchasing their primary residences.
  • They are ideal for those who might find other loan options restrictive.
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JUMBO AND SUPER JUMBO LOANS

  • Jumbo loans are larger loans that exceed conforming loan limits.
  • These mortgages typically require a bigger down payment, higher cash reserves, and better credit.
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VETERAN LOANS

  • A VA loan is a mortgage offered through the U.S. Department of Veterans Affairs program.
  • VA loans have generous terms: no down payment, no mortgage insurance, and no prepayment penalties.
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COMMERCIAL MORTGAGE

  • A commercial mortgage can be requested to finance the acquisition, development, and construction of commercial real estate properties.
  • These are income-producing properties used solely for business purposes.
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DSCR LOANS

  • It is a loan for an income-producing (investment) residential property.
  • DSCR loans are assessed and granted on the expected cash flow of the property, rather than on the borrower’s income level.
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Portfolio Loans

  • A portfolio loan is a mortgage issued by a bank that keeps the loan on its balance sheet rather than selling it.
  • We can offer more options and flexibility to certain borrowers.
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Construction Loans

  • A construction loan is a financing option designed to cover the costs associated with building a custom home.
  • Focuses solely on the expenses related to constructing a new house.
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Bridge Loans, Fix & Flip & Renovation

  • A bridge loan is temporary financing secured by property until permanent financing is secured or an existing obligation is paid off.
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