Whether you're a first-time buyer, upgrading your family home, or using your earned military benefits, traditional mortgages offer the lowest rates and most stable terms available in the market.
With access to wholesale pricing across Conventional, FHA, and VA programs, we structure the loan to minimize your out-of-pocket costs and secure the most competitive rate.
Most homebuyers will use one of these three traditional mortgage programs. The right choice depends on your credit profile, down payment availability, and military service history.
The standard for borrowers with good-to-excellent credit. They offer the most competitive rates and the ability to avoid Private Mortgage Insurance (PMI) entirely if you put 20% down. First-time buyers can qualify with as little as 3% down.
Backed by the Federal Housing Administration, these loans are designed to be more accessible. They offer lower credit score requirements and allow for a 3.5% down payment. They are incredibly forgiving of past credit events, making them perfect for many first-time buyers.
An exclusive benefit for eligible veterans, active-duty service members, and surviving spouses. VA loans are arguably the most powerful mortgage product available, offering 0% down payments, absolutely no PMI, and highly competitive interest rates.
Requires stable W2 income or 2 years of tax returns for self-employed. PMI is required if putting down less than 20%, but it can be removed later.
More flexible debt-to-income limits. We've successfully approved borrowers with FICO scores under 500. Requires an upfront mortgage insurance premium (UFMIP) and annual mortgage insurance.
Must have a valid Certificate of Eligibility (COE). No PMI ever. There is a one-time VA funding fee, which is waived for veterans with a service-connected disability.
All traditional loans require full income documentation: recent paystubs, W-2s for the last two years, and potentially tax returns.
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