Our Loan Programs

We offer a variety of loan types and will find the best program to meet your needs.

Conventional

Fannie Mae and Freddie Mac insured mortgages on 1-4 unit residential properties and approved condominiums with as little as 3% down. Conventional mortgages can be used to finance a primary home, a second home or an investment property.

FHA

HUD insured mortgages on 1-4 unit residential properties and approved condominiums with as little as 3.5% down. FHA mortgages can only be used to finance a primary home.

VA

Special financing offered to past and present military members. VA mortgages can be used to finance 1-4 unit residential properties and approved condominiums with as little as zero down. VA mortgages can only be used to finance a primary home.

MSHDA

MSHDA loans are provided through the Michigan State Housing Development Authority and are available for low-to-moderate income home buyers. They also offer a Down Payment Assistance (DPA) Program through the State of Michigan. MSHDA offers a grant up to $7,500 to be used towards the down payment and closing costs of a FHA , RD or Conventional mortgage purchase for low-to-moderate home buyers in targeted areas and first-time, low-to-moderate income home buyers throughout the state.

USDA Rural Development

Special financing for eligible, residential properties in rural areas. Rural Development (RD) mortgages can be used to finance a one-unit primary home or approved condominiums with as little as zero down for low-to-moderate income home buyers that are purchasing in a rural area.

JUMBO

Financing for loan sizes over the conforming loan limits. Loan sizes available up to $3 Million. Jumbo financing is available for 1-4 unit residential properties and approved condominiums on primary homes as well as one-unit and approved condominiums second homes. Options also available for one-unit investment properties.

Non-Warrantable Condos

Financing for home buyers of condominiums where the condo project cannot be approved for Conventional, FHA or VA financing. Options are available with as little as 10% down.

Doctor Loan

Special financing for Doctors, Dentists and Veterinarians with as little as zero down. Special consideration given to student loan debt. No mortgage insurance required.

Renovation Loan

A FHA or Conventional first mortgage that will allow you to purchase or refinance and also finance the costs of any repairs, upgrades or updates to the home.