Fixed-Rate Mortgage (FRM)

A Fixed-rate mortgage has a fixed interest rate for the entire term of the loan. This is a good option if you would like your monthly principal and interest payment to remain unchanged. Fixed-rate mortgage are available for 30, 20, 15, 10 years. Generally, the shorter the term of a loan, the lower the interest rate you could get.

Adjustable-Rate Mortgage (ARM)

Adjustable-rate mortgages feature lower rates and payments early on in the loan term. The interest rate is lower than a fixed-rate; however the rate fluctuates based on a set index. Normally, the initial interest rate is fixed for a period of time, after which it resets periodically, often every year or even monthly. Adjustable-rate mortgage are available for 3, 5, 7, 10 years. Generally, the shorter the term of a loan.


FHA is the Federal Housing Administration. It is part of the U.S. Department of Housing and Urban Development (HUD). FHA offers a low minimum down payment of 3.5%, low minimum credit score requirement and relaxed qualifications. FHA is available with down payment allowable in the form of gift funds. Mortgage insurance (MIP) is required. These programs are provided at higher loan-to-value (LTV) ratios than the standard conventional guidelines and have the ability to review compensating factors that allow for more flexible underwriting standards.


A jumbo loan is a mortgage with a single loan amount over the conforming loan limit set by the Federal Housing Finance Agency (Fannie Mae and Freddie Mac). We are offering jumbo loan amount up to 2.5 million.


Piggyback mortgage is a type of mortgage where a second mortgage or home equity loan is taken out by a borrower at the same time the first mortgage is started or refinanced. Piggyback mortgages are frequently used to lower the loan-to-value ratio (LTV) of a first position mortgage to under 80%, thereby eliminating the need for private mortgage insurance (PMI). “80/10/10” is a common form of piggyback mortgage: where 80% is covered by the first mortgage, 10% is covered by the second mortgage, and the final 10% is covered by the borrower’s down payment.

Non-QM (Alternative way for income verification)

Income will be verified through alternative way not with tax-return. We verify income with written verification of employment for wage earners, financial statement or 12 to 24 months bank statement for self employed.

We offer 3 loan programs

  • WVOE (Written verification of employment)
  • Stated Income
  • Bank Statement Program (12 or 24 months)

Conforming Loan Limit 2018

Units Contiguous Sates, District of Columbia, and Puerto Rico Alaska, Guam, Hawaii, and the U.S. Virgin Islands
1 $453,100 $679,650
2 $580,150 $870,225
3 $701,250 $1,051,875
4 $871,450 $1,307,175

Maximum Loan Limits for High-Cost Areas in 2018

Actual loan limits are established for each county (or equivalent) and the loan limits for specific high-cost areas may be lower.

Units Contiguous Sates, District of Columbia+ Alaska, Guam, Hawaii, and the U.S. Virgin Islands
1 $679,650 $1,019,475
2 $870,225 $1,305,325
3 $1,051,875 $1,577,800
4 $1,307,175 $1,960,750