Loan Programs

Whether you are a first time homebuyer or an experienced investor, our programs and products are crafted to suit your mortgage needs. Here are some of the loans our team of experts offers:

FHA Loan

Insured by the Federal Housing Administration FHA and issued by an FHA approved lender, this loan is designed for low to moderate income borrowers. It offers options with lower minimum down payments and credit score requirements, making it accessible to a wide range of borrowers.

VA Loan

Specifically created for eligible military veterans, service members, and their spouses, the VA loan provides significant benefits. Issued through private lenders but guaranteed by the Department of Veterans Affairs, VA. It is a highly advantageous program for those who qualify.

Conventional Loan

A non government loan that adheres to the requirements set by the Federal Housing Finance Agency FHFA and meets the funding criteria of Freddie Mac and Fannie Mae.

Jumbo Loan

For those seeking higher loan amounts, our Jumbo loans provide the financing you need. These loans exceed the limits set by government-sponsored enterprises and are ideal for high value properties.

Fixed Rate Loan

With a fixed rate mortgage, the interest rate remains constant throughout the entire term of the loan. This stability allows borrowers to accurately predict their future payments, making it a popular choice for those seeking financial predictability.

Adjustable Rate Loan

An adjustable rate mortgage ARM features an interest rate that can change periodically, resulting in fluctuating monthly payments. While initial interest rates are typically lower than fixed rate mortgages, its essential to consider potential adjustments during specific periods of the loan.

Refinancing

The process of replacing an existing mortgage with a new loan, refinancing offers opportunities to reduce monthly payments, lower interest rates, or transition from an adjustable-rate mortgage to a fixed-rate mortgage. It’s a strategic move to align your mortgage with your evolving financial goals.

Home Equity Line of Credit aka HELOC

Access the equity in your home with a HELOC, providing a flexible line of credit for various financial needs. Borrow as needed and only pay interest on the amount used, offering versatility for ongoing projects or unexpected expenses.
Access the equity in your home with a HELOC, providing a flexible line of credit for various financial needs. Borrow as needed and only pay interest on the amount used, offering versatility for ongoing projects or unexpected expenses.

Phi is a phenomenal human being who is competent, friendly, and professional. His ability to communicate openly and quickly is his strongest asset, allowing my wife and I to have any question answered at a moments notice. As a first time home buyer, there were a lot of uncertainties and unknowns. However, Phi was able to explain specific information in a concise manner that helped us understand the process more simply. His sense of humor was also a plus, making the whole home buying journey more enjoyable. Without a doubt, we recommend Phi with the highest of accolades. Thank you for helping us buy our home!

Phi is the person you want to work with as you navigate all the issues/concerns you have trying to understand what is needed to reach the end - funding. He is never too busy to answer your questions. He is truly a professional.

We had a complex loan application that required some additional paperwork and troubleshooting. Phi was able to to clearly convery and identify the issues in a timely manner and he offered us the best possible solutions to resolve them. We were able to get the information and feedback we needed in a timely manner and it helped us get through the process as quickly and as efficient as possible.