Loan Programs

Conventional loans are the most common mortgage type, not backed by a government agency. They offer competitive interest rates and flexible terms for borrowers with good credit. Down payments can start as low as 3% for qualified buyers.

FHA loans are insured by the Federal Housing Administration and are a popular choice for first-time homebuyers. They allow lower credit scores and smaller down payments, making homeownership more accessible.

VA loans are one of the most powerful home financing tools available. Backed by the Department of Veterans Affairs, they offer zero down payment, no private mortgage insurance, and competitive rates for those who have served.

USDA loans are backed by the U.S. Department of Agriculture and designed to help moderate-income buyers purchase homes in eligible rural and suburban areas. They offer zero down payment and below-market interest rates.

Jumbo loans exceed the conforming loan limits set by Fannie Mae and Freddie Mac. They are used to finance higher-priced properties and require strong credit, income documentation, and typically a larger down payment.

Bank statement loans are designed for self-employed borrowers who may not show traditional W-2 income. Instead of tax returns, lenders use 12–24 months of bank statements to verify income and qualify the borrower.

Debt Service Coverage Ratio (DSCR) loans qualify borrowers based on the rental income of the property rather than personal income. This makes them ideal for real estate investors who want to grow their portfolio without income documentation hurdles.

Investment property loans help real estate investors purchase or refinance non-owner-occupied properties. Options include conventional investment loans, DSCR, and portfolio products tailored to investors at every level.

A Home Equity Line of Credit (HELOC) lets you borrow against the equity you've built in your home. It works like a revolving credit line — draw funds as needed, pay interest only on what you use, and repay over time.

Refinancing replaces your existing mortgage with a new one — often at a lower rate or with better terms. Options include rate-and-term refinance, cash-out refinance, and streamline refinance programs for FHA and VA loans.

Whether you're buying your first home or your fifth, Kristal guides you through the entire purchase process — from pre-approval to closing. She'll match you with the right loan program and keep things moving so you can close on time.