Loan Programs

The right loan for every chapter.

From first home to fifth rental, we structure financing around your goals — not the other way around.

Fixed and adjustable rates with as little as 3% down for qualified borrowers. Best for strong-credit owner-occupants.

Government-backed loans with low down payments (3.5%) and flexible credit requirements.

Zero-down financing, no PMI, and competitive rates for active-duty service members, veterans, and eligible spouses.

100% financing for eligible rural and suburban homebuyers with no down payment required.

Financing above conforming loan limits with white-glove underwriting and competitive rates.

Qualify based on the property's cash flow — perfect for rental investors scaling a portfolio.

Rate-and-term, cash-out, and FHA streamline refinance options to lower payments or unlock equity.

FHA 203(k) and conventional rehab loans that wrap purchase + improvements into one mortgage.

Not sure which program fits?

A 15-minute conversation usually clears it up. Karina will walk you through the options that match your credit, goals, and timeline.