Loan options
Loan Programs
Program names are only a starting point. Eligibility, property, credit, income, cash, and long-term goals shape the right fit.
Compare the paths
Popular purchase programs at a glance.
There is no single best loan for everyone. Conventional, FHA, VA, USDA, jumbo, and specialized programs each solve different problems. Julie compares the payment, cash needed, qualification rules, and long-term cost before recommending a path.
Flexible everyday financing
Conventional Loans
Flexible financing with a broad range of property and term options.
Build with a clear plan
Construction Loans
Financing designed around the stages and unique documentation of a home build.
Financing for qualifying investment properties
DSCR Loans
An investment-property option evaluated primarily through property cash flow.
Government-insured flexibility
FHA Loans
Government-insured financing with flexible qualification features.
Financing above conforming limits
Jumbo Loans
Financing above standard conforming loan limits.
Options beyond standard documentation
Non-QM Loans
Specialized financing for scenarios that do not fit conventional underwriting.
Revisit the financing you already have
Refinance Loans
Lower your payment, shorten your term, or use home equity—without confusion or pressure.
A specialized option for eligible homeowners
Reverse Mortgages
A reverse mortgage allows eligible homeowners to convert a portion of their home's equity into available funds while continuing to live in the home.
Eligible rural housing financing
USDA Loans
Government-backed financing for eligible borrowers and properties.
A benefit earned through service
VA Loans
A benefit for eligible veterans, service members, and qualifying spouses.
Program descriptions are general and educational. Availability, terms, and qualification requirements vary by lender, borrower, property, and current guidelines.
No pressure. Just honest guidance.
Still Have Questions?
Whether you're buying a home, refinancing, or simply looking for a second opinion, Julie is happy to answer your questions and help you understand your options.