VA loans
For eligible Veterans, service members and surviving spouses. VA financing may offer options with a low down payment, flexible underwriting and no monthly mortgage insurance, subject to eligibility and loan requirements.
- Purchase and refinance
- VA One-Time Close construction
- Manufactured housing when eligible
- Entitlement and property guidance
Conventional loans
A flexible option for many primary homes, second homes and investment properties. Down payment, mortgage insurance and pricing depend on the complete application.
FHA loans
FHA insured financing can be useful for borrowers who need a lower down payment or more flexible credit qualification. Property standards and mortgage insurance apply.
USDA loans
Eligible rural and suburban buyers may have options with a low down payment, subject to household income, property location and program limits.
Construction, land and home financing
Construction transactions require the borrower, builder, plans, budget, land and appraisal to work together. Rafael helps organize those pieces early.
Manufactured homes
Financing may be available for eligible manufactured homes when the home, land, foundation, title and transaction meet program and lender requirements.
Complicated scenarios
Self-employment, variable income, prior credit events, unusual property types and layered transactions require careful analysis. We identify the constraint and determine the most realistic path.