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Reverse mortgages, designed for individuals 62 or older, offer access to funds by leveraging home equity without selling the property or assuming additional monthly expenses. These financial products convert a portion of home equity into payments to the homeowner, serving as an advance on their home equity. Generally, the received funds are tax-exempt, and repayment is typically deferred until the homeowner no longer resides in the property.

Unlike government-backed loans, conventional mortgages are not supported or insured by any governmental entity. Instead, they are facilitated by private lenders or government-sponsored enterprises such as Fannie Mae and Freddie Mac.

USDA home loans offer borrowers 100% financing, featuring low-interest rates and manageable payments. These loans are increasingly popular among homebuyers because they can facilitate home purchases without requiring a down payment.

FHA loans, backed by the Federal Housing Administration (FHA), are among the most favored government-supported mortgage options. These loans, characterized by low down payment requirements, are extended by approved lenders and insured by the FHA.

The FHA's renovation loan program, commonly called the "203k loan," offers two variations: the Standard and the Limited. (Formerly, the Limited 203k was known as the FHA 203k Streamline.)

VA home loan programs cater to veterans, assisting with home purchases, construction, renovation, or refinancing. These programs encompass a range of options, including VA direct loans and three types of VA-backed loans. Eligibility for these loans is contingent upon obtaining a Certificate of Eligibility.

A mortgage is classified as jumbo if it surpasses the loan-servicing limits established by Fannie Mae and Freddie Mac. Jumbo mortgages apply to primary residences, secondary homes, or investment properties and offer various terms, including fixed-rate and adjustable-rate options. Typically, jumbo loans entail higher interest rates, more stringent underwriting criteria, and necessitate larger down payments compared to standard mortgages.

We handle the processing of mortgage applications on behalf of our clients. This includes verifying information and ensuring all necessary paperwork is completed accurately and on time.