Explore Your Loan Options

Finding the right mortgage is the most important step in your homeownership journey. Our mission is to provide diverse loan programs tailored to your unique financial situation, helping you achieve your goals with confidence and clarity.

FHA Loans

Low down payment (3.5%)
Flexible credit requirements
Government-insured security

VA Loans

$0 down payment required
No monthly PMI
Competitive interest rates

Conventional

Standard financing terms
Various term options
Private Mortgage Insurance

Jumbo Loans

High loan amounts
Competitive jumbo rates
Purchase high-value homes

Which Program is Right for You?

Choosing the right mortgage depends on your financial profile and long-term goals. Use the comparison below to see how key loan programs stack up against different credit scores and down payment capabilities.

Program

FHA Loans

Conventional

Min. Credit Score

580+

620+

Min. Down Payment

3.5%

3% - 5%

Best For

First-time buyers with modest savings or lower credit.

Buyers with stronger credit looking for flexible PMI options.

Get a Personalized Loan Quote

Contact Jiamei today for a free consultation and find the perfect mortgage solution for your needs.