The Right Loan for Every Path Home

Conventional Loans

One of the most common loan types for borrowers with strong credit.

• As little as 3% down depending on loan type
• PMI drops off once LTV reaches 80%
• Competitive rates for solid credit
• Available for purchases and refinances

FHA Loans

Insured by HUD, offering lower barriers to entry for borrowers who may not qualify for conventional financing.

• As little as 3.5% down
• Typically lower interest rates than conventional
• Accessible for lower credit scores
• Mortgage Insurance is permanent on most FHA loans — factor this into your decision

VA Loans

Exclusively for eligible veterans, active-duty service members, and surviving spouses — guaranteed by the VA.

• Up to 100% financing — no down payment required
• Highly competitive rates
• No PMI requirement
• Funding fee may apply and can be rolled into the loan

USDA Loans

Designed to encourage homeownership in eligible rural and suburban areas with 100% financing.

• 0% down payment required
• Favorable Interest Rates
• Property must be in a USDA-eligible area
• Household income limits apply

Jumbo Loans

For loan amounts exceeding the conforming loan limit set annually by Fannie Mae.

• For high-value properties above conventional limits
• More lender discretion on guidelines
• Expert guidance through the process
• Case-by-case approval criteria

Construction & Renovation

Decades of construction lending expertise — new builds, fixer-uppers, renovations, and second homes.

AHFA Bond Program

The Alabama Housing Finance Authority (AHFA) Bond Program is designed for first-time homebuyers in Alabama, offering below-market interest rates and financing assistance.

• Competitive, below-market interest rates
• 100% Financing available
• Minimum credit score of 640 required
• Income limits apply — contact us to verify eligibility
• For first-time homebuyers in Alabama

DSCR Loans

Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors. Qualification is based on the rental income of the property rather than personal income — ideal for investors with multiple properties or complex income structures.

• Qualify based on property cash flow, not personal income
• Ideal for real estate investors and landlords
• No personal income verification or tax returns required
• Available for single-family, multi-family, and short-term rentals