Tim Becwar, Mortgage Loan Officer

The most popular loan for buying and refinancing. A longer term means lower monthly payments. Buy with only 3% down.

Buying or refinancing, a shorter term means higher monthly payments. But you pay less interest overall. Buy a home with as little as 5% down.

Low down payment mortgages designed for first time buyers or lower credit profiles. FHA loans make homeownership more accessible with flexible qualification guidelines.

Qualify using bank statements or alternative income documentation. Perfect for business owners, freelancers, and independent contractors.

Zero down payment loans for eligible veterans and active duty service members. VA mortgages offer competitive rates with no private mortgage insurance.

Flexible financing for buyers with strong credit and steady income. Ideal for primary homes, second homes, or investments with competitive rates and fewer restrictions.

Programs that help cover upfront costs through grants or forgivable loans. Reduce your cash to close and make buying a home more affordable.

Designed to help new buyers enter the market with low down payments and flexible credit options. A smart starting point for long term homeownership.

Financing for high value homes above standard loan limits. Ideal for luxury properties with competitive terms for qualified buyers.

Lower starting rates with periodic adjustments over time. Best for buyers planning to move or refinance within a few years.

Zero down payment loans for eligible rural and suburban buyers. Affordable financing with flexible credit guidelines.

Make cash backed offers without needing all the cash. Compete stronger and close faster in competitive markets.

Flexible loan options for borrowers who fall outside traditional guidelines. Great for unique income situations and alternative documentation.

Use 12 to 24 months of bank statements instead of tax returns to qualify. Built for self employed borrowers seeking flexible approval.

Designed for contractors and gig workers using 1099 income. A flexible path to home financing without W2s.

Investor loans based on rental income, not personal income. Ideal for growing a real estate portfolio.

Mortgage options for buyers without a U.S. Social Security number. Qualify using an ITIN and alternative documentation.

Loans designed for rental homes and income producing real estate. Rental income may be used to help qualify.

Finance building or repairs into one mortgage. Perfect for new construction or upgrading an existing home.

Lower your rate, may reduce payments, or access equity through refinancing. Available for both conventional and government backed loans.

Replaces your mortgage with a new one may improve your rate or payment and adjust your terms, without taking cash out.

.

Turn home equity into cash for renovations or major expenses. Replace your mortgage with a larger loan and receive the difference.

Access your home equity through a flexible credit line. Use funds as needed for renovations or large expenses.

For homeowners 62+, convert equity into tax free cash with no required monthly mortgage payments while you live in the home. You must continue to pay property taxes, insurance and maintenance.