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Smear of Cream

Loans as Unique as You Are.

With 400+ loan products, we'll match you with a loan that works for you, not for the masses.

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LOAN TYPES

Purchase + Refinance

  • Fixed-Rate Mortgage
    Fixed-rate mortgages are one of the most common types of financing because the monthly payment and interest rate (PITI) will never change over the life of the loan. Meaning, your interest rate will never increase even if market rates do. Pick from a conventional loan, or a government-backed loan like the FHA, VA and USDA. This type of loan is beneficial for homebuyers who like predictability in their monthly mortgage payment. Choose a short term option (15-year) or benefit from lower payment by choosing a long-term option (30 year).
  • Conventional Loan
    This type of loan is best for a financially stable borrower. Conventional loans are not backed by the government, therefore they offer more options to choose from, but usually have higher down payment requirements. These loans also tend to come with lower interest rates since the borrower typically has a good income and credit score.
  • FHA Loan
    FHA loans include more flexible financing options like a lower down payment (usually as low as 3.5%) and flexible income/credit requirements. These loans are backed by the government, which means, if you can't pay your mortgage, the FHA pays the lender instead. FHA mortgages are most popular for First Time Home Buyers as they provide more affordable housing options.
  • Cash-Out Refinance
    If your home has equity in it, meaning it's worth more than you owe - you might benefit from a cash-out refinance. The best part? Use the cash for whatever you want. Pay off studen loan debt, renovate your house, pay off credit cards or splurge on a vacation. The possibilities are endless. Click on the video below to learn more.
  • Fixed-Rate Mortgage
    Fixed-rate mortgages are one of the most common types of financing because the monthly payment and interest rate (PITI) will never change over the life of the loan. Meaning, your interest rate will never increase even if market rates do. Pick from a conventional loan, or a government-backed loan like the FHA, VA and USDA. This type of loan is beneficial for homebuyers who like predictability in their monthly mortgage payment. Choose a short term option (15-year) or benefit from lower payment by choosing a long-term option (30 year).
  • Conventional Loan
    This type of loan is best for a financially stable borrower. Conventional loans are not backed by the government, therefore they offer more options to choose from, but usually have higher down payment requirements. These loans also tend to come with lower interest rates since the borrower typically has a good income and credit score.
  • FHA Loan
    FHA loans include more flexible financing options like a lower down payment (usually as low as 3.5%) and flexible income/credit requirements. These loans are backed by the government, which means, if you can't pay your mortgage, the FHA pays the lender instead. FHA mortgages are most popular for First Time Home Buyers as they provide more affordable housing options.
  • Cash-Out Refinance
    If your home has equity in it, meaning it's worth more than you owe - you might benefit from a cash-out refinance. The best part? Use the cash for whatever you want. Pay off studen loan debt, renovate your house, pay off credit cards or splurge on a vacation. The possibilities are endless. Click on the video below to learn more.
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LOAN TYPES

Renovation

Found a home with good bones but it needs some updates? Want to freshen up your current space? With a renovation loan, you really can have your dream home.

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