Loan
Programs
Loan Programs
For Every season of life
Whether you're buying your first home, upgrading, or investing, I have mortgage solutions tailored to your unique goals. Explore the programs below to see what fits your situation—and know that I'm here to guide you every step of the way.
Conventional Loans
The classic choice for well-qualified buyers. Conventional loans are the most common loans for homebuyers, and offers loan terms from 10 years repayment up to 30 years at competitive rates—perfect for those with steady income, good credit, and a down payment (as low as 3% down as a first time homebuyer, as little as 5% down for your "next" primary home). Whether it’s your first or fifth home, this is a solid option to consider. No prepayment penalties on conventional loans.
FHA Loans
Backed by the Federal Housing Administration, FHA loans are designed for buyers who may have a lower credit score or a smaller down payment. With as little as 3.5% down, this program helps make homeownership accessible—especially for first-time buyers, although you don't have to be a first time homebuyer to qualify. Programs down to 580 credit score with the minimum 3.5% down payment and with 10% down, the potential to purchase with a 500+ credit score. Flexible underwriting allows for recent (2 years ago) bankruptcy with re-established credit profile. Bruised credit due to late payments or collections? FHA is the likely option to provide a low down payment.
VA Loans
If you’ve served in the military, thank you. VA loans offer eligible Veterans, active-duty service members, and surviving spouses the opportunity to buy with zero down payment, no private mortgage insurance, and competitive interest rates. You’ve earned this benefit—and I’m honored to help you use it.
Jumbo Loans
When your dream home comes with a bigger price tag, a jumbo loan can help. These loans exceed the conforming loan limits and are ideal for high-value properties. With flexible options and expert guidance, I’ll help you navigate the extra layers with confidence.
DSCR Loans- Investor Loans
For real estate investors who want to qualify based on the property’s potential—not their personal income. Debt-Service Coverage Ratio (DSCR) loans use the rental income to qualify, not your job or tax returns. Requires 20% down. Perfect for expanding your investment portfolio with less paperwork and more action.
Loans for Self-Employed Borrowers
If your income isn’t captured on a W-2, you’ve still got options. With programs that consider bank statements, 1099s, or profit-and-loss statements, I work with lenders who understand how entrepreneurs and self-employed professionals earn. Let’s build a strategy around how you actually do business.
Contact Info
940 Centre Circle, Suite 1010
Altamonte Springs, FL 32714
Contact Info
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