Compare fixed‑rate, adjustable, FHA, VA, and jumbo loans with clear numbers, timelines, and protection checklists.
See how residential and commercial financing differ—and where each fits your goals.
First‑time buyers, refinancing, rate shopping, and coverage alignment for homeowners.
View ResidentialAcquisition, build‑out, and refinancing strategies for offices, retail, and mixed‑use.
View CommercialUnderstand how loan structure, rate type, and term length shape your monthly payment and long‑term cost of owning a home.
Clarify your budget, estimate closing costs, and understand how lenders evaluate income, credit, and debt‑to‑income ratio.
Compare payment stability, reset risk, and break‑even timelines when choosing between fixed and adjustable‑rate mortgages.
Evaluate rate savings, term changes, and cash‑out options—along with tax and insurance implications—before you refinance.
See how government‑backed programs compare to conventional loans on down payment, credit, and mortgage insurance.
Lower down payments and flexible credit guidelines—paired with required mortgage insurance and property standards.
Zero‑down options for eligible veterans and service members, with funding fees, entitlement rules, and occupancy requirements to consider.
Understand conforming limits, private mortgage insurance, and how jumbo loans treat risk, reserves, and documentation.
Structure financing for income‑producing properties, from small offices to mixed‑use developments.
Compare term sheets, prepayment penalties, and covenant packages before committing to an acquisition loan.
Plan draw schedules, interest reserves, and take‑out strategies for ground‑up and heavy renovation projects.
Model debt service coverage ratios (DSCR) and sensitivity scenarios so your property can withstand rate and vacancy shifts.
Use this checklist to keep the big picture in view before you lock in a mortgage.
Share your quotes and we will walk through rate, term, payment impact, and coverage needs in plain language.