HomeLoan Programs

Loan Programs

Find the Right Loan for You

Whether you're buying your first home, investing in property, or self-employed with a unique financial profile — we have a solution tailored to your needs.

Program Concierge

Select your profile for personalized recommendations.

FHA Loan

First-time homebuyers

Down Payment

3.5%

Credit Score

580+

Down payment as low as 3.5%

Credit scores from 580 accepted

Gift funds allowed for down payment

Seller can contribute up to 6% toward closing costs

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VA Loan

Veterans and active-duty military

Down Payment

Credit Score

580+

No down payment required

No private mortgage insurance (PMI)

Competitive interest rates

Limited closing costs

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Conventional Loan

Borrowers with good to excellent credit

Down Payment

Credit Score

620+

Down payment as low as 3%

PMI removable at 80% LTV

Available for primary, second homes, and investment properties

Fixed and adjustable rate options

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Non-QM Loan

Self-employed borrowers

Down Payment

10%

Credit Score

620+

Bank statement income verification (12 or 24 months)

Asset depletion programs available

Interest-only options

Recent credit events considered

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DSCR Loan

Real estate investors

Down Payment

15%

Credit Score

620+

Qualify on property cash flow, not personal income

No tax returns or pay stubs required

Unlimited properties

LLC and entity vesting allowed

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USDA Loan

Buyers in rural and suburban areas

Down Payment

Credit Score

640+

No down payment required

Below-market interest rates

Low mortgage insurance costs

Closing costs can be financed or paid by seller

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Jumbo Loan

Luxury home buyers

Down Payment

10%

Credit Score

700+

Loan amounts exceeding conforming limits

Available for primary, second homes, and investment

Fixed and adjustable rate options

Interest-only options available

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Bank Statement Loan

Self-employed individuals

Down Payment

10%

Credit Score

620+

12 or 24 month bank statements for income

Personal or business bank statements accepted

No tax returns required

Higher loan amounts available

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Loan Programs

400+

Families Helped

$500M+

Loans Funded

5.0 ★

Client Rating

Not Sure Which Loan Is Right?

Ciro will review your situation and recommend the best program — free and no obligation.

Contact Ciro