Mortgage Services

Every client's situation is unique. Explore the full range of loan products available to find the right fit for your goals.

Conventional Purchase Loans

The most common home loan type, offering competitive rates with as little as 3% down for qualified buyers.

  • Fixed and adjustable rates available
  • Loans up to $766,550 (conforming limit)
  • Down payments as low as 3%
  • Private mortgage insurance cancellable at 20% equity
PurchaseFixed RateARM
Refinancing

Reduce your rate, lower your monthly payment, shorten your loan term, or tap into your home equity.

  • Rate-and-term refinance
  • Cash-out refinance up to 80% LTV
  • Streamline refinance for FHA/VA borrowers
  • No closing cost options available
RefinanceCash-OutRate Reduction
FHA Loans

Government-backed financing ideal for first-time buyers or borrowers with lower credit scores.

  • Down payments as low as 3.5%
  • Credit scores from 580+
  • Flexible debt-to-income guidelines
  • Seller concessions up to 6%
FHAFirst-Time BuyerLow Down Payment
VA Loans

Exclusive benefits for eligible veterans, active-duty service members, and surviving spouses.

  • Zero down payment required
  • No private mortgage insurance
  • Competitive interest rates
  • Limited closing costs
VAVeteransMilitary
Jumbo Loans

Financing for higher-value properties above the conforming loan limit with personalized underwriting.

  • Loan amounts above $766,550
  • Flexible qualification criteria
  • Primary residence, second home, or investment
  • Fixed and adjustable rate options
JumboLuxuryHigh-Value
Investment Property Loans

Grow your real estate portfolio with financing tailored for single-family rentals and small multifamily properties.

  • 1-4 unit investment properties
  • Conventional and DSCR loan options
  • Rental income used to qualify
  • Competitive investment property rates
InvestmentRental PropertyDSCR
USDA Loans

Zero-down-payment home loans for eligible buyers in rural and suburban areas.

  • 100% financing available
  • Income limits apply
  • Property location requirements
  • Low annual mortgage insurance
USDARuralZero Down

Not Sure Which Loan Is Right for You?

A free consultation with John Smith can help you understand your options and find the loan that fits your situation and goals.

Schedule a Free Consultation