Loan Programs

Conventional Loans

Conventional mortgage loans are financed and insured by private lenders and investors, rather than being insured by the Federal Government. They can offer optional methods of paying taxes and homeowners insurance.

FHA Loans

Federal Housing Administration (FHA) loans are government-insured mortgage loans. This insurance protects the lender if a borrower defaults on the loan. FHA loans can make it easier for first-time homebuyers to purchase homes. Lenders can provide options such as low down payments and other benefits not available through conventional financing.

Jumbo Loans

Jumbo loans are home loans that are much higher than the US median home price. Jumbo mortgage loans exceed the ‘conforming limit’ or amount of the maximum loan amount set by Fannie Mae and Freddie Mac. The loan amount limits changes annually. Jumbo loans are available for primary residences, vacation homes, and investment properties. They may have higher interest rates than other home loans, may also require stricter underwriting, and may have larger down payments.

VA Loans

VA loans are available to our active duty military members, reservists, and veterans. Loans are guaranteed by the VA based on specific guidelines and eligibility. The VA loan is one of the few mortgage options that allow home purchase without a down payment.

USDA Loans

USDA loans, also known as Rural Housing Loans, are guaranteed by the U.S. Department of Agriculture. USDA loans can be used in many suburban areas depending on eligibility. USDA loan rates are typically lower than rates for other loans and allow purchase without a down payment.

Reverse Mortgage

A reverse mortgage is a loan for senior homeowners that allows them to use their home equity as collateral. The loan generally does not have to be repaid until the last surviving borrower permanently moves out of the property or passes away. Reverse mortgages have specific eligibility requirements and borrowers must live in the home and have the financial resources to pay ongoing property taxes and insurance.

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I always offer expert finance solutions catering to a wide range of home loans

  • Conventional and FHA Loans for first homes and beyond
  • Jumbo Loans for high cost homes
  • Loan Options for Investors
  • Refinancing for lower rates or shorter terms
  • VA Loans for our veterans
  • Reverse Mortgages for Seniors
  • The best loan for YOU!

I have over 20 years of experience and have helped hundreds of clients with their financing needs.

Each type of loan has specific requirements and I am familiar with all of them. I’ve helped new families buy their first home, many returning clients refinance their existing homes, and investors buy multi-unit properties.

I have a wide range of experience and can help you find the best loan for your unique situation.

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    Gina works with you to help you decide which loan is best for your unique situation. Give her a call today.

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    What My Clients Say

    “When you want the very best call Gina Brown. Clients enjoy her professional, reliable and knowledgeable service. She goes the extra mile and stays involved in the process, helping to get the purchase closed. She is simply the Hallmark of Lenders.“

    Walt Sorenson, Realtor, Windermere

    “When you're ready to purchase a home and need a loan or simply to refinance, give Gina Brown a call. She has helped many of my buyers and sellers with all of their financing needs. Gina is a consummate professional, knowledgeable and skilled at finding the loan that fits your needs, on your terms with the best interest rate and payment available. She is simply the best. Give her a call today…because life is waiting!!!”

    Edie Pew, Realtor, Landmark Group

    “I have worked with Gina for six years; every transaction with her is smooth and flawless. It's so great to have a mortgage broker that works hard and does her job with excellence 100% of the time.”

    Ivy Jo Houghton, Realtor, John L. Scott

    "It's a privilege for me to work with Gina Brown. She is always professional and knowledgeable about the latest products. Gina continually provides first class service; and she genuinely cares about the client."

    Lisa Woods, Associate Broker, Windermere

    “Gina has been helping my clients for over ten years and I believe she is one of the most knowledgeable people when it comes to loan programs and mortgages. Gina is full of initiative, an awesome partner who can energize my clients and keep them enthusiastic throughout the transaction. She is a creative problem-solver, attentive to detail and never fails. I get the phone call every time after closing a sale — “Thanks for introducing Gina to us, she is great!” I concur, and I highly recommend Gina to everyone.”

    Csaba Kiss, Associate Broker, Windermere

    “I've added Gina to my team because I can always count on her to be available to me and my clients whenever we need her help. She listens to my clients and thinks about the right program that really makes sense for them.”

    Judy Forge, Realtor, Coldwell Banker Bain