Leading the Way in ome Loans, Turning Dreams Into ReaLITY!
We believe everyone deserves an opportunity to be APPROVED for a mortgage.
We Strength Families and Change Lives!
Because for us, it’s PERSONAL!
THE AMERICAN DREAM
LOAN PROGRAMS
FHA LOANS
CONVENTIONAL LOANS
CONVENTIONAL LOANS
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal
down payment. FHA loans allow individuals who may not qualify for a conventional mortgage obtain a loan, especially first time home buyers. These loans offer low minimum down payments, Reasonable credit expectations, and flexible income requirements.
- Buy a house with as little as 3.5% down.
- Ideal for the first-time homebuyers unable to make larger down payments.
- The right mortgage solution for those who may not qualify for a conventional loan.
CONVENTIONAL LOANS
CONVENTIONAL LOANS
CONVENTIONAL LOANS
A Conventional loan refers to a mortgage that is not insured or guaranteed by any government agency, such as Federal Housing Administration (FHA), the Department of Veterans Affairs (VA), or the U.S. Department of Agriculture (USDA). A Conventional loan typically require higher credit scores and lower down payments compared to government-insured loans.
Conventional loans offer a variety of terms and options, including fixed-rate and adjustable-rate mortgages, making them a popular choice for borrowers who have strong credit histories and financial stability.
NON-QM LOANS
CONVENTIONAL LOANS
NON-QM LOANS
A Non-QM (Qualified Mortgage) loan is a type of mortgage that doesn't meet the standards set forth by the Consumer Financial Protection Bureau (CFPB) for qualified mortgages. These loans are typically designed for borrowers who don't meet the strict criteria for traditional mortgages, such as those with non-traditional income sources or lower credit scores. Non-QM loans offer flexibility in underwriting criteria, allowing lenders to consider factors beyond just credit score and debt-to-income ratio. However, they often come with higher interest rates and may require larger down payments to offset the increased risk for the lender.
Non-QM loans are specifically designed for self-employed and 1099 borrowers who can’t qualify using traditional w2's or tax-return-based methods.
VA HOME LOANS
VA HOME LOANS
VA HOME LOANS
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment.
The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.
The Veterans Administration provides a lower interest rate and terms than a conventional home loan. VA home loans are available in all 50 states. A VA loan may also have reduced closing costs and no prepayment penalties.
. VA home loans are available to military personal that have either served 181 days during peacetime, 90 days during war, or a spouse of serviceman either killed or missing in action.
JUMBO LOANS
VA HOME LOANS
VA HOME LOANS
A jumbo loan in Michigan is any loan amount exceeding the conforming loan limit of $806,500 for a single-family home. This is because a mortgage loan that is larger than what Fannie Mae and Freddie Mac can purchase is considered "jumbo" or "non-conforming". For most areas in Michigan, the limit is $806,500, although some high-cost areas can have a slightly higher limit.
Also called non-conforming conventional mortgages, jumbo loans are considered riskier for lenders because these loans can't be guaranteed by Fannie and Freddie, meaning the lender is not protected from losses if a borrower defaults. Jumbo loans are typically available with either a fixed interest rate or an adjustable rate, and they come with a variety of terms.
USDA LOANS
VA HOME LOANS
USDA LOANS
USDA loans are low-interest mortgages with zero down payment and is used to buy a home in a designated area that covers several rural and suburban locations. .
HELOC
INVESTMENT PROPERTY LOANS
INVESTMENT PROPERTY LOANS
A Home Equity Loan (HELOC) is a type of mortgage that allows homeowners to borrow against the equity in their home.
INVESTMENT PROPERTY LOANS
INVESTMENT PROPERTY LOANS
INVESTMENT PROPERTY LOANS
A DSCR mortgage loan is a type of investment property loan that qualifies the borrower based on the property’s cash flow, NOT the borrower’s personal income, W-2s, or tax returns.
A DSCR loan is a mortgage for rental properties that qualifies you based on how much the property makes a month.
WHAT IS A REFINANCE?
INVESTMENT PROPERTY LOANS
WHAT IS A REFINANCE?
A cash-out refinance is a type of mortgage loan where you replace your current home loan with a new mortgage—and you take the difference in cash.
Here’s the simplest explanation:
✔️ What It Means
You refinance your home for more than what you currently owe, and we give you the difference in cash at closing.
You can use that cash for anythin
A cash-out refinance is a type of mortgage loan where you replace your current home loan with a new mortgage—and you take the difference in cash.
Here’s the simplest explanation:
✔️ What It Means
You refinance your home for more than what you currently owe, and we give you the difference in cash at closing.
You can use that cash for anything: renovations, debt payoff, investments, or major purchases.