• Conforming Loans

    Conforming Loans

    What Is a Conforming Loan?

    Conforming loans are mortgages that meet Fannie Mae and Freddie Mac guidelines. Conforming lenders underwrite and fund the loans and then sell them to investors like Fannie Mae and Freddie Mac. Once securitized, the loans are sold to investors on the open markets. Because of their liquidity and the government regulations, conforming loans often have lower interest rates than non-conforming loans.


    A conventional loan is a mortgage loan that’s not backed by a government agency. These loans come in all shapes and sizes, and while they don’t provide some of the benefits as FHA, VA and USDA loans, conventional loans remain the most common type of mortgage loan.

    Credit Score: 620+

    Maximum LTV: 97% (including condos)

    Fixed and ARM Products Available

    Lender Paid MI Option

    W2 and 1 Year Self-Employed Program

    Appraisal Transfer Allowed.

    To apply, simply contact us today,


    An FHA loan is a mortgage insured by the Federal Housing Administration. FHA loans are helpful for buyers with limited savings or lower credit scores.

    FHA: Credit Score: 580+

    Maximum LTV: 96.5%

    Fixed and ARM Products Available

    W2 and Self- Employed Programs

    Single-Unit Condo Approval

    203(b), 203(k) and Reverse Mortgage

    To apply, simply contact us today,

    VA LOANS: 

    A VA loan is a kind of mortgage exclusively for military borrowers and their surviving spouses. These loans are issued by lenders and guaranteed by the U.S. Department of Veterans Affairs. Benefits of these loans include no down payment or private mortgage insurance (PMI) requirements and comparatively low interest rates.

    Maximum CLTV : 100%

    Loan Amounts up to $2,000,000

    Fixed and ARM Products Available

    Purchase, IRRL, and Cash Out Refinance

    To apply, simply contact us today,


    A USDA loan is a mortgage that is either issued or guaranteed by the United States Department of Agriculture. Also known as Section 502 or 504 loans, these programs are specifically reserved for people with low or moderate incomes looking to buy in designated rural parts of the country.

    Credit Score: 580+

    Maximum LTV: 100%

    Borrower’s adjusted annual income may not exceed the RD limit for the area

    Owner Occupied Only

    To apply, simply contact us today,

    The following may apply for commercial loans:

    • No Bankruptcy Chapter 7 or 11 in the last 4 years.
    • No Bankruptcy Chapter 13 in the last 2 years from discharge date or 4 years from dismissal date.
    • No Short Sale or Deed-in-lieu in the last 4 years.