Loan Programs
The Right Loan for Every Borrower
Whether you're a veteran using your hard-earned benefit, a first-time buyer, or looking to refinance — I'll help you find the loan that fits your life and your goals.
VA Loans
Your benefit. Your home.
The VA loan is one of the most powerful mortgage benefits available — no down payment, no PMI, and competitive rates backed by the Department of Veterans Affairs.
- $0 down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Flexible credit requirements
- Lifetime reusable benefit
FHA Loans
Low down payment. High opportunity.
FHA loans are insured by the Federal Housing Administration and designed to make homeownership accessible — especially for buyers with lower credit scores or limited savings.
- As low as 3.5% down payment
- Minimum 500 credit score
- Gift funds allowed for down payment
- Seller concessions permitted
- Available for primary residences
Conventional Loans
Flexibility for qualified buyers.
Conventional loans offer flexible terms and competitive rates for borrowers with solid credit and stable income. With as little as 3% down, they're a great fit for many buyers.
- Down payments as low as 3%
- PMI removable once equity reaches 20%
- Fixed and adjustable rate options
- Primary, secondary, and investment properties
- Conforming and high-balance options
USDA Loans
Zero down for eligible rural areas.
USDA loans are backed by the U.S. Department of Agriculture and offer 100% financing for eligible buyers in qualifying rural and suburban areas — no down payment required.
- $0 down payment for eligible areas
- Competitive fixed interest rates
- Lower mortgage insurance than FHA
- Income limits apply by household size
- Primary residences in eligible areas only
Refinance Options
Already own a home? Refinancing can lower your rate, reduce your monthly payment, or tap into your equity.
VA IRRRL
Interest Rate Reduction Refinance Loan
The VA streamline refinance lets eligible veterans lower their rate with minimal paperwork and no appraisal required in most cases.
VA Cash-Out Refinance
Access your home equity
Replace your existing mortgage and tap into your home's equity for home improvements, debt consolidation, or other financial goals.
Conventional Refinance
Rate & term or cash-out
Lower your interest rate, shorten your loan term, or access equity with a conventional refinance — available for primary, secondary, and investment properties.
FHA Streamline
Simplified FHA refinancing
Current FHA borrowers can refinance to a lower rate with reduced documentation requirements and no appraisal in most cases.
Manufactured Home Financing
We Finance Manufactured Homes
Don't let the home type hold you back. I work with loan programs that finance manufactured homes, both double-wide and single-wide — so more buyers can achieve homeownership on their terms.
VA Loans for Manufactured Homes
Eligible veterans can use their VA benefit to purchase a manufactured home — one of the few programs that allows this with no down payment.
FHA Manufactured Home Loans
FHA financing is available for manufactured homes that meet HUD standards, with low down payment requirements and flexible credit guidelines.
Conventional Options
Qualifying manufactured homes on permanent foundations may be eligible for conventional financing with competitive rates and terms.
USDA Manufactured Home Loans
Eligible buyers in qualifying rural areas may be able to finance a manufactured home with a USDA loan — including $0 down payment for those who meet income and property requirements.
Manufactured home financing is subject to property eligibility requirements. Contact me to discuss your specific situation.
Ask Me About Manufactured Home LoansNot Sure Which Loan Is Right for You?
I'll walk you through your options and help you find the best fit — no pressure, no jargon. Just honest guidance from someone who's been in your shoes.