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Carmalita Keith NMLS#2694983

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Explore Loan Programs

Explore Programs

Loan Programs Available

FHA Loans

FHA loans are ideal for first-time buyers with low down payments or lower credit scores, offering a government-backed path to homeownership.

Conventional Loans

Conventional loans often require a higher down payment, typically ranging from 5% to 20%, along with stricter credit score requirements of 620 or above.

VA Loans

VA loans, backed by the Department of Veterans Affairs, provide no down payment options and favorable terms for veterans, active-duty members, and eligible spouses.

DSCR Loans

Invest in rental properties with no income verification DSCR loans use property cash flow, not personal income. Fast, flexible financing for investors.

Self-Employed Loans

Self-employed loans (non-QM) help those with variable income buy homes, often requiring higher down payments but still offering flexible terms.

Reverse Mortgages Loans

Reverse mortgages help homeowners 62+ turn home equity into cash, with no monthly payments and repayment due when they leave the home.

Second Mortgages Loans

A second mortgage lets homeowners borrow against home equity in addition to their first mortgage. It’s a way to get cash for renovations, debt, or other needs.