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.
FHA Loans
It's easy to understand why many people looking for a new home are turning to FHA insured loan programs. Because FHA Loans are insured by the Federal Housing Administration homebuyers have an easier time qualifying for a mortgage. Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit.
USDA Loans
A USDA Loan is a mortgage loan that is insured by the US Department of Agriculture and available to qualified individuals who are purchasing or refinancing their home loan in an area that is not considered a major metropolitan area by USDA.
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.
Reverse Mortgage
A reverse mortgage, also called a Home Equity Conversion Mortgage (HECM), can be a powerful tool for homeowners 62 and older. It allows you to turn part of your home equity into cash or a steady income stream—without selling your home or being required to make monthly payments. Unlike the myths you may have heard, you still retain ownership of your home, and your heirs are protected thanks to the loan’s non-recourse feature. While it’s not “free money” since you must still cover property taxes, insurance, and upkeep, it can provide extra retirement income, fund healthcare expenses, or even help you check off those bucket list dreams. With decades of experience, I’ll help you understand if a reverse mortgage makes sense for your unique situation—because the right choice isn’t about making a sale, it’s about protecting your future.
State Licenses
OR #114626
WA #MLO-114626
TX #114626
NV #62183
