Mortgage Loans

We know each case is unique. We offer solutions tailored to your needs. Continue reading if you are ready to: 

  • Buy your first home or primary residence
  • Buy a second home
  • Refinance your current property
  • Invest in a property

We have the alternatives that best fit you.  

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Learn about the different mortgage loan options we have for you.

Conventional Conforming Loan


This is the ideal loan for buying or refinancing because you can finance up to $510,400 for a residential unit, with a competitive interest rate. The conforming loan requires a 20% down payment for primary residence, without mortgage insurance. With mortgage insurance, you may require only 5%. 

Non-Conforming Conventional Loan


Unlike a conforming loan, a non-conforming conventional loan remains in the bank’s portfolio and must comply with its credit policy. The “Loan to Value” margin granted is of 85% for main residences with a value of up to $500,000. In certain cases in compliance with compensatory factors, the loan margin could reach 90% of the lowest amount between the appraisal value and the sales price. The loan margin is determined by the amount to be financed. With this loan, you could acquire properties of up to $2,000,000. 

FHA Loan


This type of loan is ideal for those who are looking to buy their first home since it lets you finance up to 96.5% of the selling price or property value, whichever is lowest, up to the maximum loan amount allowed by municipality established by the Federal Housing Administration (FHA).

This federal guarantee offers multiple advantages and protections during the term of the loan, most of the loan, which minimizes the down payment, interests, and closing expenses. In addition, FHA offers many options to help you keep your property and avoid foreclosure.

Streamline FHA Loan


Reduce your annual interest and monthly payment of your mortgage with a Streamline FHA loan. These are designed for people with FHA mortgage loans who wish to pay toward the principal and/or reduce the term of the loan, interest rate, and/or monthly payment of their current loans. This type of loan does not require income verification or appraisal expenses, and little documentation is required, which saves you time and money. This product is ideal for refinancing.*



Veteran Loan


If you are a veteran of the armed forces, widow of a veteran, or an eligible member of the National Guard or the Reserve, this loan is for you. You can finance up to 100% of the property value or the sales price, whichever is lowest (applies to the home purchase). This loan is issued via the Department of Veteran’s Affairs (VA) and can be used for buying or refinancing your principal residence.

Streamline VA Loan or Interest Rate Reduction Refinancing Loan (IRRRL)


If you have a VA loan and you’d like to reduce your monthly mortgage payments, the Veterans Affairs (VA) Interest Rate Reduction Refinance Loan (IRRRL) is ideal for you. This loan does not require an appraisal and you do not have to provide income payment stubs, tax reports, or W2 forms to qualify, which will make the process easy for you.

Streamline 203K Loan


Did you find the home of your dreams but it needs repairs? With the Streamline 203k you can obtain financing to buy your own home and get funds to rehabilitate and/or improve the property all in one financing.  With this loan, you can make sure your new home is ready for you to move in, whether you use the funds to remodel the kitchen, paint the interior or exterior, or buy new appliances.

Rural Loan


This loan is part of a program of mortgage insurance loans administered by the Department of Agriculture of the United States established to help moderate income families acquire their main homes. With this loan you could finance up to 100% of the property value based on the appraisal for the purchase of a main residence.

Each case is unique


Contact our mortgage consultants to guide you step by step throughout the mortgage process.

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