FHA loans allow down payments as low as 3.5% for borrowers with a credit score of 580 or higher. If your score is between 500 and 579, a 10% down payment may be required. Gift funds from family members are also permitted for your down payment.
Eligible active-duty service members, honorably discharged veterans, National Guard/Reserve personnel with qualifying service, and surviving spouses receiving DIC benefits may qualify for VA loans with 0% down payment and no monthly private mortgage insurance (PMI).
A cash-out refinance replaces your entire primary mortgage with a new, larger loan. A Home Equity Line of Credit (HELOC) is a second mortgage that sits behind your first, allowing you to access equity without touching your low primary mortgage interest rate.
Yes, absolutely. We specialize in simplified-issue final expense policies that accept individuals with diabetes, high blood pressure, cholesterol management, and past cardiac histories, subject to carrier underwriting.
Health insurance pays doctors, hospitals, and pharmacies for medical procedures. It does not pay your mortgage, buy food, or keep your lights on when you cannot work. Disability insurance replaces your paycheck directly to your bank account.
Fixed-Indexed Annuities (FIAs) offer market-linked upside potential up to an annual cap, with a contractually guaranteed 0% floor. When the market drops, your principal balance is shielded from negative market returns.
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