Conventional Loan

  • Criteria set by Fannie Mae and Freddie Mac

  • Available for most any type of property including a second home or investment properties

  • PMI is not required if you have at least 20% down payment

  • The mortgage insurance (PMI) is not permanent 

  • Not guaranteed or insured by a Government agency ​​

FHA Loan

  • ​Mortgage issued by an FHA -approved lender and insured by the Federal Housing Administration 

  • Designed for low-to-moderate income borrowers with minimal down payment

  • Accepts lower down payment and credit score requirements

  • Most popular with first-time home buyers  

VA Loan

  • Designed for American veterans, military members currently serving, reservists and select surviving spouses (provided they do not remarry) 

  • VA program offers zero down home financing to eligible veterans to purchase a home 

  • Guaranteed by the US Department of Veteran Affairs 

Reverse Mortgage

  • Available to homeowners 62 and older with considerable home equity amount 

  • Can borrow against the value of their home and receive funds as a lump sum, fixed monthly payment or line of credit 

  • Does not require the homeowner to make any loan payments – only taxes and insurance

No Tax Return Loan

  • Loan programs are designed for self-employed, real estate professionals, and retired borrowers who have excellent credit and strong liquid reserves, and/or balance sheet. 


  • No tax return loan uses financials such as business bank statements, retirement accounts, and cash-flow statements to underwrite in lieu of traditional tax returns and W-2s.