Loan Options
Made Easy
There is no "best loan." There's only the loan that fits your financial fingerprint. Let's simplify the "Alphabet Soup" of mortgages and find the option that best fits your needs.
VA Loans
(The Hero's Loan)
Best For:
Active Duty & Veterans
Why:
0% Down, No Mortgage Insurance.
My Take:
If you are eligible, this is almost always your best option. I specialize in these for our Lejeune and Cherry Point families.
USDA Loans
(The Rural Gem)
Best For:
Buyers looking in Stella, Peletier, and designated rural areas.
Why:
0% Down for moderate-income families.
My Take:
This is the most under-used program in our area. Let’s check the map together.
Conventional
Loans
Best For:
Buyers with stronger credit (680+) or large down payments.
Why:
Flexible terms and fewer restrictions on the condition of the house.
FHA Loans
Best For:
Buyers with "real life" credit scores (580+) or lower down payments (3.5%).
Why:
More forgiving on credit bumps and bruises.
Jumbo Loans
Best For:
Luxury homes in Emerald Isle or waterfront estates.
Why:
For loan amounts that exceed the standard federal limits.
Get the rate you need now
Tell me what you're dealing with, and I'll give you a clear, realistic breakdown of your options.
Tyler Kercheval
He is diligent, personable, and reliable.
Ashleigh Ellis
Made the entire process smooth and easy.
Joseph Irwin
The only person I will ever recommend in the future.