Purchase or refinance guidance for primary homes, second homes and eligible investment properties—plus FHA and VA options when they may be a better fit.
I can originate Conventional, FHA and VA loans in Pennsylvania, Ohio, Michigan, Missouri, Tennessee and Florida.
State licensing does not guarantee that every loan program or property is eligible. Loan approval remains subject to the complete application, underwriting, property review and current program guidelines.
HomeReady® and Home Possible® are conventional programs designed to help eligible low- and moderate-income borrowers overcome common barriers to homeownership. They can be especially useful for first-time buyers, although first-time buyer status is not required in every scenario.
May be used for a primary residence, second home or eligible one- to four-unit investment property. Credit, down payment, reserves, occupancy and property type affect the available terms.
Government-backed financing for an eligible primary residence. FHA loans have their own mortgage-insurance, appraisal, occupancy and property-condition requirements.
VA financing may offer meaningful benefits for qualified borrowers purchasing or refinancing an eligible primary residence. A valid Certificate of Eligibility and full underwriting review are required.
The right structure depends on how you will use the property and the complete financial picture.
I am licensed to originate Conventional, FHA and VA loans in Pennsylvania, Ohio, Michigan, Missouri, Tennessee and Florida. Please include the property state when requesting a review.
Potentially. Conventional financing may be available for an eligible one- to four-unit investment property. Investment-property loans generally have different down-payment, reserve and pricing requirements than a primary-home loan.
Not always. Both programs can help eligible first-time buyers, but first-time buyer status is not required for every borrower or transaction. Income limits, primary-residence occupancy, property eligibility, credit, debt-to-income ratio and the complete underwriting findings still determine whether a program is available.
These programs are generally intended for an eligible primary residence and include occupancy requirements. They are not substitutes for a business-purpose DSCR loan on a non-owner-occupied rental property.
Share the property state, purchase price or value, intended occupancy, down payment or equity, estimated credit profile, income type and whether you are purchasing or refinancing. Please use the secure application for sensitive personal or financial documents.