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 $10,000 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.
Get in touch.
Ready to take the next step towards your dream home? Contact us today to explore your mortgage options and get personalized guidance every step of the way!