Primary Home Loans
Perfect for first-time buyers or owner-occupied properties
Primary Home Loans
Buying a home is more than a transaction; it’s a life milestone. Whether you’re a first-time buyer, upgrading, or just looking for a better mortgage option, we’re here to guide you every step of the way.
We offer flexible programs tailored to your needs, whether you’re salaried, self-employed, or somewhere in between. Let’s make your dream of homeownership a reality.
Trilingual service:
English, Spanish, and Mortgage.
English, Spanish, and Mortgage.
The average homeowner has 40x more wealth than a renter
What we offer
Perfect for first-time buyers or owner-occupied properties.
1. FHA Loan – Ideal for First-Time Buyers
- Low 3.5% down payment
- Flexible credit requirements
- Allows gift funds for down payment
- Higher debt-to-income ratios accepted
- Great for buyers with limited savings
- Low credit? Not a problem!
2. Conventional Loan – Strong for Long-Term Buyers
- Competitive interest rates
- As little as 3% down for first-time buyers
- No upfront mortgage insurance
- Options to cancel PMI once equity grows (removed after 20-22% of equity)
- Widely accepted and good for all property types ( more flexibility for certain properties)
3. VA Loan – For Veterans & Active-Duty Military
- No down payment required
- No private mortgage insurance (PMI)
- Low closing costs
- Flexible credit and income guidelines
- Reusable benefit with no loan limits
4. Bank Statement Loan – Self-Employed Solution
- No tax returns required
- 12–24 months of bank statements used to verify income
- Perfect for business owners, freelancers, or gig workers
- Multiple business types accepted
- Higher loan limits available
5. P&L Loan – Quick & Easy for Business Owners
- Only a CPA or licensed tax preparer P&L needed
- No traditional income docs
- Speeds up the approval process
- Great for business owners with fluctuating income
6. HELOC – Flexible Access to Your Home’s Equity
- Borrow only what you need, when you need it
- Interest-only options
- Can be used for home improvements, debt payoff, or investing
- Reuse the credit line as you repay
- Great tool to build wealth
- Income docs might not be required in some instances
* subject to guidelines and eligibility.
** This is not a commitment to lend. All loans are subject to credit approval and property appraisal.” “Rates and terms are subject to change without notice
Andrea Fernandez, NMLS #123456. Consumer residential mortgage loans offered through ML Mortgage (NMLS #654321
Client Feedback
★★★★★ Rated 5 out of 5
Start Your Mortgage Journey Today
Your journey to homeownership or financial freedom begins here. Whether you’re buying your first home, investing in property, or simply exploring your options — we’re here to make the process smooth, empowering, and stress-free.