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MORTGAGE LENDING IS ALL WE DO. Leave your experience to mortgage experts. We offer traditional, residential financing and several options with no down payments.
CONVENTIONAL
If you can make a minimal down payment, have good credit and are able to prove consistent income, you may qualify for a Conventional loan. Interest rates are credit score dependent; the higher the credit score the lower the interest rate.
- Minimum FICO score of 620
- No mortgage insurance with 20% down
- 3% minimum down payment
- Can be used to purchase a primary residence, a second home or vacation home, or an investment property.
FHA
Requires minimal down payment and accommodates lower credit scores.
- Minimum FICO score of 580
- 3.5% minimum down payment
- 100% of your down payment or closing costs can come from a family member.
- Sellers can contribute up to 6% of the purchase price toward buyers closing cost.
USDA
Also referred to as “Rural Development Loans”, USDA loans are a great option for 100% financing with certain limitations.
- No Down Payment
- Low Mortgage Insurance
- Minimum FICO score of 620
- Property must be located in an eligible “rural” area.
- Income limitations
VA
Veterans, THANK YOU for your service and sacrifices for our great nation. Whether you’ve been recently stationed on our beautiful Gulf Coast, are a retired Veteran, or somewhere in between, we would love to explain your options for 100% financing. Our Loan Originators are well versed in VA lending. A VA loan is more than just a mortgage, it’s a benefit of your service. You’ve earned it!
- Available to Service Members, Veterans, and Eligible Surviving Spouses
- Eligible for purchasing and refinancing.
- Lower Rates than other programs
- No down payment.
- No mortgage insurance required.
- Seller can pay all closing costs.
- 100% of your closing cost can come from a family member.
ADDITIONAL SERVICES
If none of the above options work for you, here are some additional services we offer!
- Refinancing
- Jumbo Loans
- Vacation Homes
- Condominiums
- Investment Properties
- Down Payment Assistance Program
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