Conventional
Flexible options for primary, second-home and eligible investment-property purchases.
Purchase financing
Win the home without losing the plot.
The strongest offer is the one you can actually close. We align preapproval, cash-to-close, appraisal risk and loan structure before your contract starts the clock.
Prepare for the offer, not just the application.
A preapproval should tell you more than the maximum price. It should show a comfortable payment, realistic closing funds and the tradeoff between down payment, rate, points and mortgage insurance.
- Payment range with taxes, insurance, HOA and mortgage insurance estimated separately
- Cash-to-close plan with reserves and seller-credit limits considered
- Offer strategy coordinated with your real estate professional
- Property-specific checks for condos, multi-units, wells, septic and renovations
- Side-by-side loan options with assumptions documented
Structure before shopping
Decide the comfortable payment and cash target first, so the price range is a conclusion rather than a guess.
Property questions early
Condo approval, unit count, condition and utilities can change the financing path after an offer is accepted.
Coordinated timeline
Financing milestones are mapped to inspection, appraisal and contract dates before timing becomes leverage.
Financing paths
Programs are matched to the borrower and the property.
FHA
Government-insured financing with flexible credit and down-payment guidelines for eligible borrowers.
VA
Eligible veterans and service members may access financing with program-specific benefits.
USDA
Eligible homes and borrowers in approved areas may qualify for rural housing financing.
Jumbo
Financing strategies for loan amounts above the conforming limit, with reserve and income planning.
Renovation
Purchase-and-improve scenarios that may combine acquisition and eligible project costs.
Program descriptions are general information, not offers or eligibility determinations. Availability and guidelines vary by lender and scenario. All loans are subject to credit approval, underwriting, acceptable property and program requirements.
Before you write the offer
Bring the property. We’ll pressure-test the financing.
A strategy request is not a loan application, credit decision or commitment to lend.