Contact us today. Doing a Refinance can save you big in your monthly payment.
Jennifer Kutac
Jennifer has been in the mortgage industry for 20 years, with her expertise and guidance. Jennifer and her Team will ensure you have a seamless experience.Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage progra
Our team is also licensed in other States, and our loans are processed in-house
Our team is licensed in Florida, Colorado, Louisiana, and Arkansas
Traditional Mortgage Loans
Conventional Loans
Conventional Loans
Conventional Loans
A Conventional Loan is a type of mortgage that is not backed by the U.S. federal government and is available through private lenders.
Conventional Loans are the most popular type of mortgage loan. They come in a range of terms including the common 15-year and 30-year terms. Since conventional mortgage loans are not insured by the governmen
A Conventional Loan is a type of mortgage that is not backed by the U.S. federal government and is available through private lenders.
Conventional Loans are the most popular type of mortgage loan. They come in a range of terms including the common 15-year and 30-year terms. Since conventional mortgage loans are not insured by the government like FHA or VA Loans, they have stricter credit standards. Some Conventional Loans have the option for down payments as low as 3%* of the purchase price, but if you put down less than 20% you will have to add Private Mortgage Insurance (PMI) to your payment for a period of time.
How To Apply for a Conventional Loan
- Proof of income and employment (pay stubs, tax returns, W-2 statements etc.)
- Documentation of financial assets (bank statements, etc.)
- Residential history (previous two years’ worth)
- Your credit history
- Identity information like your driver’s license, Social Security card, and date of birth in order to apply
FHA Loan
Conventional Loans
Conventional Loans
An FHA (Federal Housing Administration) Loan is a mortgage that’s insured by the federal government and offered through FHA-approved lenders.
FHA Loans have more flexible credit score requirements and are a good option for borrowers who may not have saved enough for a large down payment. You can finance an FHA Loan with a down payment as l
An FHA (Federal Housing Administration) Loan is a mortgage that’s insured by the federal government and offered through FHA-approved lenders.
FHA Loans have more flexible credit score requirements and are a good option for borrowers who may not have saved enough for a large down payment. You can finance an FHA Loan with a down payment as low as 3.5%*, making it an affordable mortgage option for millions of home buyers, especially first-time home buyers.
FHA Loan Eligibility
- Proof of steady employment history and verifiable income
- A minimum credit score of 580 with a 3.5% down payment
- A debt-to-income ratio of 45% or less (see below)
- The home must be your primary residence and the property must meet HUD guidelines
- Up to 2 year waiting period if you’ve experienced bankruptcy and up to 3 years after a foreclosure
VA Loan
Conventional Loans
VA Loan
The VA Loan is a government-sponsored mortgage backed by the U.S. Department of Veteran Affairs (VA) and offered through VA-approved lenders. It is available to all active-duty military, Veterans, reservists, National Guard, and surviving military spouses.
The most notable benefits of the VA Loan include no down payment, no mortgage insura
The VA Loan is a government-sponsored mortgage backed by the U.S. Department of Veteran Affairs (VA) and offered through VA-approved lenders. It is available to all active-duty military, Veterans, reservists, National Guard, and surviving military spouses.
The most notable benefits of the VA Loan include no down payment, no mortgage insurance, flexible underwriting requirements, streamlined refinancing, and often a lower-than-average interest rate.
VA Loan Eligibility
VA Loans are available for active-duty military, Veterans, reservists, National Guard, and surviving military spouses. To apply, you must meet the following requirements:
- Provide a Certificate of Eligibility (COE)
- A debt-to-income ratio (DTI) of 41% or less (exceptions apply)
- The home must be your primary residence and the property must meet HUD guidelines
- Meet the conforming loan limits set by the Federal Housing Finance Agency (FHFA)
Other Mortgage Loans
Jumbo Loans
Bank statement loans
Bank statement loans
A jumbo loan is a financing option for homebuyers looking to purchase luxury properties and homes that fall outside of standard loan guidelines. It's a solution for those who cannot qualify for an agency loan due to the high price of their home.
Bank statement loans
Bank statement loans
Bank statement loans
A Bank Statement loan is a perfect option for the self-employed. Even if complex tax deductions make their tax returns less than straightforward, this program can provide a clearer picture of their current income or revenue to help them qualify.
DSCR Loans
Bank statement loans
Second Mortgage Loans
A DSCR loan program is specifically designed to assist new and experienced real estate investors in financing their properties, qualifying based on the cash flow generated by the investment.
Second Mortgage Loans
Second Mortgage Loans
Second Mortgage Loans
A second Mortgage is designed to provide an additional financing option for homeowners who are looking to borrow money against the equity in their homes. A Second Mortgage can be used for a variety of purposes, including home renovations, debt consolidation, or other expenses. With this program, you can help your clients unlock the financial potential of their homes while expanding your lending offerings.
Asset Utilization
Second Mortgage Loans
Asset Utilization
Our Asset Utilization mortgage program is designed for those who may not have easily quantifiable sources of income, such as the self-employed, entrepreneurs, retirees, and those living off their investments. This program allows them to use their personal assets as a means to qualify for a home mortgage, providing flexibility in obtaining financing.
ITIN
Second Mortgage Loans
Asset Utilization
A ITIN mortgage loan program is a mortgage solution for individuals who have an Individual Taxpayer Identification Number but do not have a Social Security Number. With this program, you can grow your business by making homeownership a reality for non-U.S. citizens..
1099
Profit and Loss
Profit and Loss
A 1099 loan is a solution for self-employed and contract borrowers that allows them to use their 1099 forms to report various types of non-employment income received during the tax year.
Profit and Loss
Profit and Loss
Profit and Loss
P&L loans are designed for self-employed individuals. These loans allow borrowers to use their business's Profit & Loss (P&L) statements to qualify, bypassing traditional income verification.
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Other Loan options
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