Choosing the right mortgage is one of the most important decisions in the homebuying process. Whether you are buying your first home, purchasing a luxury property, investing, or building from the ground up, the right loan structure is essential.

Construction & One-Time Close Loans: Build with Confidence

Construction loans let you finance your home from start to finish with fewer surprises and more control. Our specialized loan programs can cover the lot purchase, building costs, and the permanent mortgage in one streamlined process.

  • One-Time Close loans combine construction costs and long-term financing into a single closing with one set of fees.
  • Locking in your interest rate upfront protects you from market shifts during the building phase.
  • Managed entirely in-house for a seamless experience from groundbreaking to move-in.

Best For: Those looking to build a custom home or do major renovations.

Conventional, FHA & VA Loans: Proven Paths to Homeownership

These core programs fit common financial profiles.

  • Conventional: Flexible options for buyers with solid credit; a 15-year term reduces overall interest, while a 30-year term offers predictability.
  • FHA: The most popular choice for first-time homebuyers, FHA loans offer low down payments and more lenient credit requirements.
  • VA: An earned benefit for veterans and active-duty service members, VA loans typically require no down payment and no monthly mortgage insurance (PMI).

Best For: Primary and first-time homebuyers seeking stable, long-term financing.

Jumbo Loans: Financing for High-Value Homes

Designed for higher-priced homes that exceed conforming limits, Jumbo loans offer financing that doesn’t tie up liquid assets.

  • For Large Loans: In 2026, for homes above the conforming limit of $832,750.
  • Competitive Rates: Often comparable to conventional loans.
  • Asset Flexibility: Qualify using alternative documentation such as asset depletion or restricted stock.
  • In-house Underwriting: Helps keep high-value transactions on schedule.

Best For: Luxury buyers and those purchasing high-value properties who want to leverage assets while maintaining liquidity.

DSCR Loans: Income-Based Financing for Investors

Rather than personal income or tax returns, DSCR loans qualify borrowers based on an investment property’s performance.

  • Rental Income Focus: Qualification is based on the property’s Debt Service Coverage Ratio (rental income).
  • Versatile: Ideal for short-term rentals (Airbnb/VRBO) and long-term investments.
  • Accessible: Available for individuals, LLCs, and corporations.
  • Streamlined: Fast closings, often in as little as 10–14 days.

Best For: Real estate investors and self-employed buyers looking to expand their portfolios.

With multiple mortgage options available, the best loan is the one that aligns with your situation and goals. To discuss which program is right for you, call us at (972) 591-3097 or connect with us online.