Conventional Loans
Conventional loans follow guidelines set by Fannie Mae and Freddie Mac. They offer a variety of down payment options and are commonly used by buyers with established credit profiles.
Home Loan Options
How I Can Help
I offer a range of loan programs designed to fit different goals, timelines, and financial situations - all with the benefit of personalized guidance and the broker advantage.
FHA Loans
FHA loans are backed by the Federal Housing Administration and are designed to offer more flexible qualification guidelines. They may be an option for buyers with limited down payment funds or those who want a more accessible path to homeownership.
VA Loans
VA loans are available to eligible veterans, service members, and qualified surviving spouses. These loans are backed by the U.S. Department of Veterans Affairs and offer unique benefits that may include flexible qualification requirements. Eligibility is determined by VA guidelines.
USDA Loans
USDA loans are available for eligible properties in designated rural areas. They are backed by the U.S. Department of Agriculture and may offer qualifying buyers a path to homeownership with specific geographic and income requirements.
First-Time Homebuyer Programs
Depending on eligibility, first-time homebuyers may have access to programs that offer flexible down payment options, reduced insurance requirements, or tailored guidelines. Program availability varies by location and qualifying criteria.
1% Down Program
For eligible borrowers meeting income and program requirements, certain lenders may contribute toward the minimum required down payment. Availability, terms, and qualifying criteria vary. Ask about current income thresholds for the Spokane area.
Jumbo Loans
Jumbo loans are used for financing homes that exceed conforming loan limits set by Fannie Mae and Freddie Mac. These loans may have additional qualification requirements related to credit, income, assets, or reserves. Availability and terms vary by lender and individual financial profile.
Investment & DSCR Loans
Financing options are available for eligible investment properties. Certain programs may use property cash flow to help determine qualification. Terms and eligibility requirements vary by lender and property type.
Refinancing Options
Refinancing may help homeowners adjust their loan terms, consolidate existing mortgages, or access home equity depending on eligibility and program guidelines. Whether a refinance is beneficial depends on individual financial circumstances and current market conditions.
Not sure which loan option fits?
Let's talk through your goals, timeline, and questions so you can understand the next best step.