Every loan, explained.
The loans Charles offers, what each one is for, and how to start.
Buy a home
- Conventional loansA loan no government agency backs, and the most common way to buy a home.
- FHA loansA loan insured by the Federal Housing Administration, built for buyers with smaller savings or credit that is still growing.
- VA loansA loan backed by the Department of Veterans Affairs for veterans, service members and some surviving spouses.
- USDA loansA loan backed by the U.S. Department of Agriculture for homes in eligible rural and suburban areas.
- Jumbo loansA loan for amounts above the limits a conventional loan can reach in your county.
- First-time buyer programsLoans and assistance programs built for people buying their first home.
Refinance and equity
- RefinancingReplace your mortgage with a new one to change your rate, your payment or how long your loan runs.
- Cash-out refinanceRefinance for more than you owe and take the difference in cash, for projects, debts or goals.
- Home equity lines of credit (HELOC)A line of credit against your home’s equity: borrow as you need it, and keep your first mortgage.
- Reverse mortgagesFor homeowners 62 and older: turn part of your home’s equity into cash while you keep living in your home.
Investors and self-employed
Find the loan that fits you.
About two minutes online, with no obligation. Charles follows up personally.