Real Estate

Owning real estate is a big deal. Buying real estate, an even bigger deal. Many believe owning their own home or investment property is unachievable. Think again.

 

First home, second home, investment properties. Residential, Commercial Mortgages, Re-financing, Cash Out, Construction Loans or for a new purchase; we have several options to put you into the home of your dreams or build your real estate portfolio. Programs vary from interest only programs, re-financing existing mortgages, pulling equity from your property for working capital and all in between

Conventional Mortgages

A home loan that is not insured by the federal government and by far the most used method of real estate financing. Can be used for a primary home, second home or investment property. There will be significant documentation required. A conventional mortgage is ideal for borrowers with strong credit, a stable income, employment history and a down payment of at least 3 percent.

Government-insured Mortgages

The U.S. Government is not a mortgage lender, but it does play a role in helping Americans become homeowners by backing three types of mortgages: the FHA loan, the USDA loan and a VA loan for Veterans. Government-insured loans are ideal when you do not have a large down payment or pristine credit and cannot qualify for a conventional loan.

Hard Money

A hard money loan is a type of loan that is secured by the real estate property. Generally short term (6 to 12 months) and interest only. A hard money loan is ideal for a real estate investor who wants to quickly turn the property or as a short-term bridge loan while a more conventional program is put into place.

Construction Loans

Construction loans are mainly for a new build but can also be used for a renovation on an existing property. These loans can be separate for the project with a separate mortgage or you can wrap the two together.