Government & Specialty Programs
We offer the full suite of government‑backed loans and down‑payment‑friendly programs for qualified borrowers.
FHA Loans (First-Time Buyer Programs)
FHA loans are backed by the government and designed to help first-time homebuyers or those with lower credit scores qualify for financing. They offer lower down payment requirements and more flexible approval criteria, making homeownership more accessible.
Explore Our Tailored Mortgage Solutions Today
Explore tailored lending solutions for every step of your journey.
VA Loans (Veteran & Military Benefits)
VA loans are available to eligible veterans, active-duty service members, and their families. These loans often require no down payment and offer competitive interest rates with no private mortgage insurance, making them one of the most valuable home financing options.
USDA Loans (Rural Housing Programs)
USDA loans support homebuyers in eligible rural and suburban areas by offering zero down payment options and affordable interest rates. These programs are ideal for buyers looking for cost-effective housing outside major urban locations.
Down Payment Assistance Programs
These programs help buyers cover upfront costs such as down payments and closing fees. Offered through government agencies or local organizations, they make it easier for qualified buyers to enter the housing market with less financial strain.
Non-QM & Specialty Loan Programs
Non-qualified mortgage (Non-QM) and specialty programs are designed for borrowers who may not meet traditional lending guidelines. This includes self-employed individuals, investors, or those with unique income situations, offering flexible qualification options tailored to their needs.
Testimonials
Jasmine Richards
Mike made our first home purchase smooth and was also superb in helping us secure a loan for our investment property. Highly recommended!
Monica Chandler
Explored several lenders for my investment properties; Mike really delivered. Refinancing was a breeze too. Solid rates, minimal fuss. Would recommend.
Thomas Krazinski
Used Mike's service for a USDA loan. Pretty straightforward process, good terms. No complaints, really facilitated things for us rural folks.
FAQs
Got Questions? We’re Here to Help You Navigate Home Financing!
What is a construction loan?
A construction loan is a short-term loan used to finance the building of a new home or major renovation. Instead of getting all funds at once, the money is released in stages as construction progresses.
How does a construction loan work?
The lender pays the builder in scheduled “draws” based on project milestones (like foundation, framing, etc.). During construction, you typically pay interest only on the amount used. Once the home is finished, the loan is either paid off or converted into a regular mortgage.
Can I bring my own builder for a construction loan?
Yes, most lenders allow you to choose your own builder, but they must be licensed, insured, and approved by the lender. The lender may review their experience and past projects before approving them.
What credit score do I need for a construction loan?
Most lenders require a credit score of at least 680, though some may accept lower scores with strong financials. A higher score improves your chances of approval and better interest rates.
How much down payment for a construction loan?
Typically, you’ll need a down payment of 20% to 30% of the total project cost. The exact amount depends on the lender, your credit profile, and the type of loan.
How long is a construction loan?
Construction loans are usually short-term, lasting 6 to 18 months. This covers the time needed to complete the build before converting to a permanent mortgage or paying off the loan.