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Who We Help

Traditional Mortgages

First-time Homebuyers

We offer first-time homebuyers a variety of mortgage programs to meet their home buying needs. We offer Fannie and Freddie Conventional products that require as little as 5% down or HomeReady / HomePossible that require 3% down. We are well established in the government programs as well, offering FHA with 3.5% down and credit scores as low as 620 and VA loans up to 100% financing and 0% down. 

Active military, veterans, and eligible surviving spouses

In honor of their service and sacrifice to our country, we provide active military, veterans, and eligible surviving spouses with competitive VA loans to help them buy, build, repair, retain, or adapt a home for their personal occupancy.

Move-up Buyers

Whether they need more room to accommodate a growing family or a home business that is bursting at the seams, we can help buyers take that next move-up with a range of home financing options.

Home Remodelers

With housing inventories low, many homeowners are choosing to stay put and remodel their homes for the upgrades they thought they could only obtain by moving. We offer cash-out refinance, home equity loans which are great for that new kitchen, bathroom, or building that extra bedroom for when your in-laws are in town.

Reverse Mortgages


A reverse mortgage is a loan for seniors only (age 62 although a borrowing spouse may be younger). It is a unique way for seniors to convert some of their home equity into tax-free cash without the responsibility of making monthly mortgage payments. Of course, borrowers must continue to maintain their home, pay property taxes and homeowners insurance, and otherwise comply with all loan terms. Also, older adults who otherwise might not be eligible for a home equity loan or refinance because of limited cash flow or poor credit (they may be retired, for instance) may be eligible for a reverse mortgage to help them live and retire better

Adult Children

A reverse mortgage can come as a big relief for adult children who may not have the resources to help their parents out financially. By the same token, a reverse mortgage allows older adults to remain self-supporting and independent.

Trusted Advisors

Increasingly, financial advisors are including home wealth and a reverse mortgage — the financial tool enabling older Americans to tap into that home equity — as part of an overall plan for many of their clients. Indeed, accessing funds from a reverse mortgage could help you manage against “sequence of returns risk,” which occurs when an account holder is forced to draw down an underperforming investment account early in their retirement. A reverse mortgage provides another source of funds, which affords the investment account time to rebound. Of course, we encourage borrowers to consult with their financial advisor.


According to AAG’s June 2, 2021, "Importance of Home Survey", about 90% of people, age 65 and over, would prefer to stay in their own homes as they age — and not go into a nursing home or assisted living facility. To make that a reality, older Americans can use a reverse mortgage to pay for home modifications and the vital services that in-home caregivers provide.¹

¹Borrowers could be subject to foreclosure for reasons including failure to maintain the property or to pay taxes and insurance.


A reverse mortgage is a way for a variety of professionals — real estate agents, builders, accountants, financial advisors, tax specialists, and wholesale institutions — to offer an even larger complement of services to create even more value for their clients. Click here to learn how we partner with professionals.


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