Home Loan Programs
Conventional Loans
Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac. Typically, conventional loans have better rates, terms and/or lower fees than other types of loans. However, conventional loans typically require a borrower to have good-to-excellent credit, reasonable amounts of monthly debt obligations, a down payment of 5-20% and reliable monthly income. Conventional loans are ideal for borrowers with excellent credit and at least a 5% down payment.
Private Client Bespoke Financing
Private Client Bespoke Financing is a customized mortgage solution designed for borrowers with complex financial profiles or high-value lending needs. Rather than fitting into a standard loan structure, these financing options are tailored around the borrower’s income, assets, ownership structure, and long-term financial goals. This may include clients with significant reserves, trust ownership, executive compensation, or multiple sources of income. Private client bespoke financing is ideal for high-net-worth borrowers who value personalized service, strategic lending solutions, and a more customized mortgage experience.
Jumbo Loans
Jumbo Loans are mortgage loans that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. These loans are designed for buyers purchasing higher-priced homes and often come with more specific qualification requirements. Typically, jumbo loans require strong credit, low debt-to-income ratios, larger cash reserves, and a higher down payment than conventional financing. They can be a great option for borrowers who need more purchasing power while still wanting competitive mortgage solutions. Jumbo loans are ideal for well-qualified buyers purchasing luxury homes or properties in high-cost markets.
Portfolio Financing
Portfolio Financing refers to mortgage loans that are kept by the lender instead of being sold on the secondary market. Because the lender retains the loan in their own portfolio, they often have more flexibility when it comes to underwriting guidelines, income documentation, property types, or unique borrower situations. This can be especially helpful for self-employed borrowers, real estate investors, or clients with non-traditional financial profiles. Portfolio financing is ideal for borrowers who may not fit standard agency guidelines but still have strong overall financial strength and lending potential.
VA Loans
A VA loan is a mortgage loan guaranteed by the U.S. Department of Veteran Affairs (VA) that is available to most US service members. It offers some very great benefits to those that have served our country.
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