Loan Programs

We understand that navigating home loans can be a big decision, and we're with you every step of the way. We'll guide you through all the different avenues, making sure you find the perfect loan that fits your unique needs.

Services we offer our clients!

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Mortgage Rate Options

How to Choose Between FHA, VA and Conventional Loans: Tips for Buyers!

Fixed Rate

Not all mortgages work the same way. For instance, some borrowers opt for adjustable-rate mortgages (ARMs), but the most common choice is still the fixed-rate mortgage.

What New Homeowners Often Forget to Do After Moving In!

Adjustable ARM

The Adjustable ARM (Adjustable Rate Mortgage) Policy is a financial tool that offers American homeowners greater flexibility in managing their mortgage payments.

Interest Only

An Interest-Only Mortgage is a loan in which the borrower’s monthly payments cover only the interest charged on the principal amount.

Buy Down Loan

A Buydown Mortgage is a smart financing option that lets you enjoy reduced interest rates for the first few years of your loan.

Loan Program Options

FHA Home Loan

An FHA loan is a government-insured mortgage that makes it easier to buy a home with more flexible financial requirements.

Preventing Buyer’s Remorse 5 Questions to Ask Before Closing!

VA Loans

VA loans are mortgages backed by the Department of Veterans Affairs, offering military veterans valuable benefits such as low interest rates and no required down payment.

Jumbo Loans

A jumbo mortgage lets you borrow more than a conventional loan, as long as you qualify and can handle the higher costs.

FIRST-TIME HOME BUYERS

Begin your home search with a free pre-qualification to prepare for the journey ahead. We can also connect you with a trusted real estate agent from our network.

REHAB LOAN

Upgrade your investment properties effortlessly with our simple, stress-free rehab loan options—apply today and boost your returns!

LOW DOWN PAYMENT

For many homebuyers, saving for a down payment is one of the biggest obstacles, often delaying their dream of owning a home.

INVESTMENT PROPERTY LOANS

Investment property loans are mortgages tailored for buying income-producing properties, like rentals or commercial real estate.

REFINANCE

When you refinance, you swap your existing mortgage for a new one—usually with better terms and a lower interest rate.

REVERSE MORTGAGE

A reverse mortgage lets you borrow against your home while keeping the title in your name.

Commercial Loans

Welcome to your guide to commercial loans—helping you explore financing options that support business growth and success.

Choosing Between a Condo and a Single-Family Home Tips for Decision Making!

Condo Loans

Whether you're buying or refinancing a condo, our loan options make the process simple and stress-free.

5 Financial Moves Our Mortgage Experts Recommend Before You Apply!

1-Year Profit & Loss (P&L) Product

The 1-Year P&L Loan Product is a specialized option for self-employed borrowers who lack traditional income documents like W-2s or pay stubs.

Why Non-QM Mortgages Are Gaining Popularity in Today’s Lending Market

Foreign National Loans

Foreign National Loans are tailored for non-U.S. citizens and non-residents who want to buy or invest in real estate in the United States.

After owning a home or two, many buyers feel they know the mortgage playbook. Yet seasoned shoppers still lose time, money, or even the house they love because of small oversights. Below are seven common missteps our loan team sees every week and how partnering early with a knowledgeable lender can keep your next purchase on track. 1. Assuming the Same Rules Still Apply Credit‑score cutoffs, debt‑to‑income (DTI) limits, and acceptable documents can keep updating. Relying on guidelines from your last loan five years ago can trigger surprises at loan review. A quick call with us before house‑hunting resets expectations and prevents stress later. 2. Moving Money Without a Paper Trail Large transfers in the 60 days before application raise questions. Keep deposits clear: transfer once, save screenshots, and share the story with your loan officer so they can add a simple note of explanation. 3. Opening or Co‑Signing New Credit Buying a new asset or a loan may look harmless, but the new payment can bump your DTI above the limit. Press pause on fresh credit until the keys are in your hand. 4. Forgetting About Deferred Student Loans Even if payments are paused, most programs still count a set amount against your DTI. Your lender can estimate the impact and suggest moves such as income‑based plans before you apply. 5. Skipping a Credit Update Errors like an old medical bill shrink scores and raise rates. Pulling a soft‑pull mortgage checkup months ahead gives time to dispute mistakes and pick up a few quick points. 6. Low‑Balling Closing Costs Repeat buyers remember the down payment but forget taxes, insurance, and prepaid interest. Requesting a detailed fee worksheet early keeps your cash plan realistic. 7. Letting Your Pre‑Approval Expire Most letters last 60–90 days. Mark the date on your calendar and refresh it so sellers see you as rock‑solid in a fast market. Experience is valuable, yet the mortgage world evolves daily. By speaking with us, reviewing your complete financial picture together, and avoiding the pitfalls above, you set yourself up for a smooth approval, stronger bargaining power, and a confident closing on your next dream home. Even small tweaks today can lower your payment for decades and protect your long‑term wealth.

Asset Qualifier & Asset Income lift loans

Asset Qualifier and Asset Income Lift Loans let borrowers use their savings or investments to qualify for a mortgage.

Bridge Loans

The Bridge Loan is a short-term financing option that helps homeowners move smoothly from selling their current home to buying a new one.

DSCR Loan

Finance investment properties without personal income documentation.
A DSCR Loan qualifies you based on the property's cash flow—not your job or tax returns.

Family Home Loans - StCooper City, FL

85% LTV on second Homes

The 85% LTV Loan for Second Homes is a financing option for buyers or owners looking to purchase or refinance a second property.

NON-QM Loans

1099 Mortgage

With a conventional home loan, lenders can only use the taxable portion of your income to determine your eligibility.

Bank Statement Loans

A bank statement loan can be a great option for eligible self-employed borrowers, but it’s important for them to choose the right loan product for their mortgage needs.

DSCR/Investor Loans

As a real estate investor, you can avoid the high rates and strict requirements of private loans by choosing a DSCR loan—a no-income loan with simpler approval.

What to Do (and Not Do) During the Mortgage Approval Process!

ITIN Mortgage

ITIN loans are designed for borrowers without a Social Security number, allowing them to use their Individual Tax Identification Number to qualify for a mortgage.

Asset Utilization

Optimize your resources and cut down on waste with Asset Utilization — a powerful tool for business success.

2443 Warrenville Rd Suite 18 Lisle, IL 60532

NMLS #1234

For licensing information:

www.nmlsconsumeraccess.org

Illinois Residential Mortgage License: #123456
IL Dept of Financial & Professional Regulation
555 W. Monroe Street, Suite 500, Chicago, IL 60661
Ph: (888) 473-4858

Texas Residential Mortgage License: #123456
Texas Department of Banking
2601 N. Lamar Blvd, Suite 300, Austin, TX 78705
Ph: 877-276-5554

Michigan Residential Mortgage License: #123456
Michigan Department of Insurance & Financial Services (DIFS)
530 W. Allegan St, 7th Floor, Lansing, MI 48933
Ph: 877-999-6442

Turning Your Mortgage Plan into Reality

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