Loan Options
Financing Solutions for Every Borrower
Charlie Scoville helps clients explore a wide range of mortgage and financing programs. Program availability, eligibility, terms, and approval depend on borrower qualifications and applicable guidelines.
Conventional Loans
A popular option for buyers with solid credit and stable income, offering flexible terms and competitive pricing.
Who may consider it
Buyers with solid credit and stable income seeking flexible terms and competitive pricing.
Potential benefits
- Flexible down payment options
- No mortgage insurance with sufficient down payment
- Competitive interest terms
Program availability, eligibility, terms, and approval depend on borrower qualifications and applicable guidelines.
Speak with CharlieFHA Loans
Government-backed loans that may allow lower down payments, making homeownership accessible for more buyers.
Who may consider it
Buyers who may benefit from lower down payment requirements and more flexible credit guidelines.
Potential benefits
- Lower down payment options
- Flexible credit qualification
- Government-backed program
Program availability, eligibility, terms, and approval depend on borrower qualifications and applicable guidelines.
Speak with CharlieVA Loans
A benefit for eligible veterans, service members, and qualifying spouses exploring home financing options.
Who may consider it
Eligible veterans, active-duty service members, and qualifying surviving spouses.
Potential benefits
- No down payment option for those who qualify
- No monthly mortgage insurance requirement for eligible borrowers
- Government-backed benefit
Program availability, eligibility, terms, and approval depend on borrower qualifications and applicable guidelines.
Speak with CharlieUSDA Loans
Designed for eligible rural and suburban homebuyers who meet program area and income requirements.
Who may consider it
Buyers purchasing in eligible rural and suburban areas who meet program and income requirements.
Potential benefits
- No down payment option for eligible buyers
- Designed for eligible rural and suburban areas
- Government-backed program
Program availability, eligibility, terms, and approval depend on borrower qualifications and applicable guidelines.
Speak with CharlieJumbo Financing
For higher-priced properties that exceed conforming loan limits, with tailored qualification guidance.
Who may consider it
Buyers financing higher-priced properties that exceed conforming loan limits.
Potential benefits
- Tailored qualification guidance
- Flexible terms for higher loan amounts
- For primary and investment properties
Program availability, eligibility, terms, and approval depend on borrower qualifications and applicable guidelines.
Speak with CharlieNon-QM Loans
Alternative qualification options for borrowers whose financial profile doesn't fit traditional guidelines.
Who may consider it
Borrowers whose income, assets, or financial profile may not fit traditional qualified mortgage guidelines.
Potential benefits
- Alternative documentation options
- Flexible qualification methods
- Solutions for unique financial profiles
Program availability, eligibility, terms, and approval depend on borrower qualifications and applicable guidelines.
Speak with CharlieInvestor & DSCR Loans
Financing for real estate investors that may qualify based on property cash flow rather than personal income.
Who may consider it
Real estate investors seeking financing based on property cash flow rather than personal income.
Potential benefits
- Qualification based on property income
- Portfolio growth potential
- Designed for investment properties
Program availability, eligibility, terms, and approval depend on borrower qualifications and applicable guidelines.
Speak with CharlieBank Statement Loans
A potential solution for self-employed borrowers to qualify using bank statements instead of traditional W-2s.
Who may consider it
Self-employed borrowers who want to qualify using bank deposits instead of traditional W-2s.
Potential benefits
- Uses bank deposits for income qualification
- Helpful for self-employed borrowers
- Alternative to traditional income documentation
Program availability, eligibility, terms, and approval depend on borrower qualifications and applicable guidelines.
Speak with CharlieHard Money & Bridge Loans
Short-term financing options for time-sensitive purchases, renovations, or transitions between properties.
Who may consider it
Borrowers needing short-term financing for time-sensitive purchases, renovations, or property transitions.
Potential benefits
- Short-term financing for time-sensitive needs
- Bridge the gap between transactions
- Renovation and flip scenarios
Program availability, eligibility, terms, and approval depend on borrower qualifications and applicable guidelines.
Speak with CharlieCommercial Real Estate Loans
Financing guidance for qualified borrowers exploring commercial property opportunities.
Who may consider it
Qualified borrowers exploring commercial real estate financing opportunities.
Potential benefits
- Guidance for commercial property financing
- Tailored to borrower and property qualifications
- Support for investment and business properties
Program availability, eligibility, terms, and approval depend on borrower qualifications and applicable guidelines.
Speak with CharlieAll-in-One Loan
A combined home financing and banking solution that may let you apply deposits directly toward your loan balance, potentially reducing interest over time.
Who may consider it
Homeowners and buyers interested in combining their mortgage and everyday banking into a single account to potentially reduce interest costs over time.
Potential benefits
- Deposits may be applied directly toward the loan balance
- Potential interest savings over the life of the loan
- Combined mortgage and banking in one account
Program availability, eligibility, terms, and approval depend on borrower qualifications and applicable guidelines.
Learn MoreReady to Explore Your Mortgage Options?
Connect with Charlie to discuss your goals, ask questions, and learn which financing options may be available for your situation.