A conforming long-term, fixed-rate or adjustable loans that meet Fannie Mae and Freddie Mac loan limits and property and borrower guidelines.  Generally has higher loan limits than FHA or VA.

Government insured 30 year fixed rate and adjustable loans with minimum down payment.  The FHA program was designed to help those people qualify for a loan who would not normally qualify.  That means not only citizens that are struggling with normal qualifying challenges, but immigrants and others such as Resident Aliens. 

Allows borrowers to retain ownership of their property and convert equity into tax-free funds.  Pay bills, cover taxes, go on vacation!  No money is due until the property is sold, the owner dies, or an agreed upon date is reached.  This type of loan is eligible to homeowners aged 62 and over.  LOAN LIMITS INCREASE IN OCTOBER 2008!!  CALL TODAY FOR YOUR FREE GUIDE!

Allows borrowers to purchase property as an investment to rent or sell at a later date.  This loan generally has a slightly higher interest rate and requires a significantly higher down payment. 

Small commercial loans are usually less than $1 million and are for both the investor and owner occupied properties. 

Designed to allow the borrower to custom build a home of his choice.  This type of loan with only one closing allows the borrower to pay a minimum while building the home and then turning the loan into a fixed or adjustable rate mortgage. 

This loan allows a borrower to purchase distressed properties requiring renovation at a discount.  These interest rates are significantly higher and may have a pre-payment penalty.  However, the loan amount will cover the purchase price, closing costs, and a significant amount of the renovations.  Non-owner occupied properties only are allowed.