Interest Only Loans – These loans offer you the ability to afford more home for your money. It is also great if you expect to keep the home for a short period of time.

104% Financing – This product allows you to keep more of your money that would go towards down payment or closing cost, in your check book. This way, once you move into your home you will have the money to make it as beautiful as you dreamed. This loan is also offered with no MI or PMI.

Conforming Products – This is what is known as Fannie Mae loans or “ Conforming to Fannie Mae guidelines.” These products offer the absolute best rates available. A minimum of a 620 credit score and full income verification are required.

Non-Conforming Products – This is also known in the industry as Sub-prime or “ Not Conforming to Fannie Mae guidelines.” These loans offer the most flexible guidelines.

Rapid Refi Program – This program is designed specifically for customers that are looking to refinance only. This gives you the ability to do No Income Verification with the same rates as Full Income Verification up to 100% financing.

No Documentation Products - On this particular product, the loan officer would leave the Employment, Income and Asset sections of the Application blank. The lender only looks at the customer's credit score and will finance up to 95% of the value of the home.

FHA Program – This program is designed specifically for customers that are either a first time home buyer or have minor credit blemishes. These loans are goverment backed and are the best alternative to Fannie Mae financing.