Finding the right home loan is a big step, and we’re here to make it easy. Whether you’re a first-time homebuyer, a veteran, looking to invest in a higher-value property, or exploring flexible lending options, we offer a range of mortgage solutions tailored to your needs. Explore our loan options below, and feel free to reach out with any questions—Justin King will guide you every step of the way!

Conventional Loans
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Perfect for buyers with a strong credit history, conventional loans offer competitive interest rates and flexible terms. These loans typically require a 20% down payment but may allow as little as 3% down for qualifying buyers.
 

FHA Loans
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If you’re a first-time homebuyer or have a lower down payment, an FHA loan could be a great choice. Backed by the Federal Housing Administration, these loans allow down payments as low as 3.5% and offer flexible credit requirements, making homeownership more accessible.

VA Loans
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For veterans, active-duty service members, and eligible family members, VA loans offer an exceptional benefit—zero down payment. With no mortgage insurance requirement and competitive interest rates, VA loans make homeownership possible without the usual upfront costs.
 
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Jumbo Loans

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Looking to purchase a higher-value home? Jumbo loans provide financing for properties that exceed conventional loan limits. With flexible terms and competitive rates, jumbo loans can help make your dream home a reality.

Adjustable-Rate Mortgages (ARM)
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An ARM offers an initial fixed-rate period, usually lower than a fixed-rate loan, followed by periodic adjustments. This option may be ideal if you plan to sell or refinance before the rate changes or if you’re comfortable with potential fluctuations in your monthly payment.

Reverse Mortgage for Purchase
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Designed for seniors aged 62 and older, a reverse mortgage for purchase allows you to buy a new home without monthly mortgage payments. Instead, the loan balance is repaid when the home is sold, making this an attractive option for those looking to downsize or buy a home suited to retirement.

Non-QM Loans (Non-Qualified Mortgages)
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For buyers with unique financial situations, Non-QM loans offer flexible underwriting criteria outside of traditional mortgage guidelines. Ideal for self-employed borrowers, those with complex income streams, or individuals with recent credit events, Non-QM loans allow for alternative documentation and customized loan terms to meet your specific needs.

Construction Loans
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Building your dream home starts with the right financing. Construction loans provide you with the funds needed to cover costs during each phase of the building process, from breaking ground to putting on the finishing touches. Unlike traditional mortgages, construction loans are short-term and release funds in stages as the project progresses. Once your home is complete, you can typically convert your construction loan into a permanent mortgage.
 

Compare Your Options
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Choosing the right loan can be overwhelming, so we’ve created a quick comparison table to help you decide. Check out the differences in down payments, interest rates, and eligibility to see which option might be best for you.

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Ready to learn more? Justin King is here to answer your questions and help you find the right loan. Contact him today to get started on your journey to homeownership!