100% FHA Down Payment Loans

Primary residences only. This program allows you to finance almost 100% of the purchase price of the home you are buying.

Combo Loans (1st and 2nd Mortgages)

"Combo loans" or "Piggyback loans" allow you to avoid mortgage insurance by splitting the loan amount into two separate mortgages, keeping the first mortgage under 80%.

• 95% Loan = 80% first and a 15% second with a 5% down payment (80/15/5)
• 90% Loan = 80% first and a 10% second with a 10% down payment (80/10/10)

First Time Homebuyer Loans
First Time Homebuyer programs allow you to finance up to 100% of the purchase price. Most First Time Homebuyer programs give you a reduced mortgage insurance rate. These programs are advantageous for borrowers who have lower credit scores.

Stated Income Loans

• Reduces the amount of required paperwork. These programs are ideal for self-employed borrowers, commission borrowers, cyclical borrowers or borrowers who recently started a new job.
• Stated Income - No income documentation is provided, however asset information is provided. The borrower states their income.

Interest Only Loan Programs
These programs allow you to pay the interest only on your mortgage during an initial period. These programs lower your monthly payment and can allow you to qualify for a larger loan amount. There are many different interest only programs, such as Interest Only ARMs or Interest Only Fixed Rate mortgages.