FINANCING

Fixed Rate Mortgages (FRM)
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.

Adjustable Rate Mortgages (ARM)
Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.

Non-QM Loans:
Flexible mortgage options that don’t meet conventional underwriting standards, often used by self-employed individuals or those with unique financial situations. ARMs.

Commercial Mortgages:
Loans used to finance income-generating properties like office buildings, retail spaces, or apartment complexes.

FHA Loans
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

VA Loans
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.

Hard Money Loans
Short-term, high-interest loans secured by real estate, typically used by investors for quick funding and property renovation.

Construction Loans:
Short-term loans designed to finance the building of a new property or major renovations, with funds disbursed in stages as construction progresses.

Fix and Flip Financing for Co-ops and Condos:
Specialized loans for purchasing, renovating, and selling co-op or condo units, tailored for real estate investors looking to improve and resell properties.