Consumer Home Loans
Below are the consumer home loans that we offer. Please contact us to discuss your needs in detail. 
Ready to see if you qualify?
Fill out the form below or call
(713) 524 - 4242.
 
 
 
 
 
 
 
 
Refinance Options

All our products and terms below are available as refinancing options. We offer refinancing options to lower your interest rate and shorten the length of your loan. You also have the option to take cash out so you can consolidate debt at a lower rate, pay for unexpected expenses, take a vacation, or invest in other assets, like real estate. Call now for a free rate quote or request a free rate quote online. 

Conventional Fix Rate Loan

We offer convention loans where the required down payment is only 5%. If you are a buyer that is in the market for a home this is a great option for you. You have the option to finance your loan at a fixed rate for 8, 10, 15, 20, 25, or 30 years.  We also offer this product to investors and second-home buyers. 

Type of borrowers we will finance – US Citizens, Permanent Resident Aliens, Non-Permanent Resident Aliens, Non-Occupant Co-borrowers and Inter vivos revocable trusts.

Property types we will finance - Single Family Homes, 1-4 Unit properties, Townhomes, and Condos.

FHA Fixed Rate Loans

Our FHA loan product only requires a 3.5% down payment. If you are a buyer that is in the market for a home and your credit score is at least 580 then this product is a great option for you. You have the option to finance your loan at a fixed rate for 8, 10, 15, 20, 25, or 30 years. This product is only offered to borrowers that will live in the home. 

Type of borrowers we will finance – US Citizens, Permanent Resident Aliens, Non-Permanent Resident Aliens, Non-Occupant Co-borrowers and Inter vivos revocable trusts

Property types we will finance - Single Family Homes, 1-4 Unit properties, Townhomes, and Condos.

Adjustable-Rate Loan

Our ARM product only requires a down payment of 3.5% or 5% depending on the product you choose.  It is a great option for low and moderate-income borrowers who are trying to make the transition into homeownership. The qualifying interest rate is much lower than the fixed-rate loan option. This product is only offered to borrowers that will live in the home.

VA Loans

We support our veterans and by supporting us you help us support Homes for our Troops.

We will provide 100% financing on our VA loan product. If you are a veteran buyer that is in the market for a then this product is a great option for you. This product is only offered to borrowers that will live in the home. 

Type of borrowers we will finance – Veteran, non-veteran spouse, two veterans that are married to each other where each veteran will be using the entitlement, an unmarried surviving spouse of an eligible veteran (if determined eligible by the VA-issued COE), the spouse of an active duty service person who has been listed as MIA or POW for more than 90 days (if determined eligible by the VA-issued COE) or two or more unmarried veterans where each veteran will be using the entitlement.

Property types we will finance - Single Family Homes, 1-4 Unit properties, Manufactured Homes, Townhomes, and Condos.

Jumbo Loans

We offer VA Jumbo loans for veterans and Non-Conforming Jumbo loans for all other borrower types.  Our jumbo loans are great for properties where the loan amount exceeds $510,000 for 1-unit properties, $653,000 for 2-unit properties, and $789,950 for 3-unit properties and $981,700 for 4-unit properties.  You have the option to finance your loan at a fixed rate for 15 or 30 years. Call now for additional information or pre-qualify online. 

Property types we will finance - Single Family Homes, 1-4 Unit properties, Townhomes, and Condos.

USDA Loans

A USDA loan is a special type of a zero down payment mortgage that eligible borrowers can get through our USDA Loan Program, which is backed by the United States Department of Agriculture (USDA). 

 

We provide low and moderate-income homebuyers in rural and suburban areas the opportunity to own adequate, modest, decent, safe, and sanitary dwellings as their primary residence in eligible rural areas. Eligible applicants may purchase, build, rehabilitate, improve, or relocate a dwelling in an eligible rural area with 100% financing. 

Call now for additional information and to see if you, your area and your property is eligible.  

Bank Statements Only Loan

Are you self-employed? Do you have a lot of tax deductions that make it difficult to qualify for a loan? Our Bank Statement program is perfect for you.  We offer loans up to $30,000. We only require 12 or 24 months of personal or business bank statements to qualify. No tax returns are required. 

Property types we will finance - Single Family Homes,  2-4 Unit properties, Townhomes and Condos, and investment properties.

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