Jane DeRose-Bamman

Embarking on your first home purchase? Our First-Time Homebuyer programs, coupled with Down Payment Assistance, are tailored to make homeownership attainable. These mortgage solutions offer reduced down payments and favorable terms, simplifying your entry into the housing market.

Conventional home loans provide flexibility and competitive interest rates for borrowers with solid credit histories. These mortgages are ideal for purchasing or refinancing primary residences, second homes, or investment properties, offering various term lengths to suit your financial goals.

We offer specialized mortgage solutions for veterans, active-duty service members, and eligible spouses through VA loans, which often require no down payment and have competitive interest rates. Additionally, our FHA home loans cater to a broader range of borrowers seeking affordable financing options.

Non-QM loans cater to borrowers who may not meet traditional lending criteria. These flexible mortgage solutions are ideal for individuals with unique income situations, credit events, or those seeking alternative verification methods.

Elevate your home purchase offers with our NAF Cash program. This service empowers you to present cash-equivalent offers, enhancing your position in competitive real estate markets. By streamlining the mortgage process, NAF Cash ensures quicker closings and a seamless home loan experience.

Backed by the Federal Housing Administration, FHA home loans are designed for borrowers with lower credit scores or limited down payment funds. These government-insured mortgages feature lower down payment requirements and more lenient credit criteria, making homeownership more accessible.

Optimize your existing mortgage with our refinancing options. Whether aiming to lower your interest rate, adjust your loan term, or access home equity, we offer solutions tailored to your financial objectives.

For those seeking homes in eligible rural and suburban areas, USDA Loans offer zero down payment options and competitive interest rates. These government-backed mortgages are designed to promote homeownership in designated regions.

For properties exceeding conventional loan limits, our Jumbo Loan Programs provide the necessary financing. These mortgages are tailored for high-value real estate transactions, offering competitive rates and terms for luxury home purchases.

Leverage your home's equity with a HELOC, providing a revolving line of credit for various needs, such as home improvements, education expenses, or emergency funds. Enjoy flexibility and competitive interest rates with this mortgage solution.

Our reverse mortgage options offer financial freedom for homeowners aged 62 and older. Tap into your home equity while maintaining ownership and enjoy a more secure retirement.

Finance your home improvement projects or new constructions with our Renovation and Construction Loans. These mortgages cover costs associated with building or renovating, ensuring your property meets your vision.