Conventional Fixed, VA and FHA  Programs, Low Mortgage Insurance Rates

Further Information 

  • 97% Conforming, Conventional financing

    • 100% gift funds

    • 3% down* 

  • 95% for non Fannie & Freddie mortgages

  • 95% conventional loans with 5% gift funds

  • 90% Jumbo Loans with no MI

HomeReady & HomePossible


  • Elite Pricing for 700+ credit score 

  • Reverse Mortgages for Purchase & Refi

  • Jumbo Loans are our Specialty as we understand the income and assets.

VA Home Loans and VA Streamline Refinance

*100% no closing costs options if Eligibility requirements are met, Purchase price and Loan amount meet county limits. 

Jumbo Loans

Jumbo Loans are now one of the most competitive programs I provide my clients with a 10% down NO private mortgage insurance option to $3M. The same great service and quick turnaround time of a few weeks versus the traditional month or two.  One underwriter allows us to stay competitive.  

*This is not a commitment to loan or an approval for a mortgage loan by Kerins Associates 

 New Homebuyer 97% LTV Programs

  • Instant MI available to 97%

  • Gift funds eligible for down payment and reserves for Homeready

  • Home Possible Advantage 97% requires 3% down from buyer but no avg median income limits

  • Available on purchase and rate/term refinance 

  • Available on Standard Conventional Fixed 

  • Owner occupied, no other ownership at settlement

  • Homebuyer counseling may apply

  • 1 Unit property only

Service is WORK

We work every loan from start to finish personally.  We do not release them to third party processors, contract underwriters or outside employees. 


When it comes to getting conditions resolved and a loan settled we have worked around the clock.  You can trust us to honor the label "service" when you work with Kerins Associates.

Expertise & Impact

My commitment is to make the home financing experience simple and efficient.  I have incorporated tools into the process that allow you to see, through charts and graphs, the various advantages of different programs.  I also offer E-Sign, no income documentation and no asset documentation if assets are online.  All to put the emphasis on the decision making and not the paperwork!  We will be approved and waiting to settle on average in 16-20 days. 

Security cannot be forgotten.  Your confidential data is protected when working with Kerins Associates.  Our clients can confirm in 27 years not one client has had their information compromised.