MORTGAGE PRODUCTS 

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Borrowers with a stable job, income and good credit are great candidates for conventional home loans. To learn about conventional loan options tailored specifically for you, click CONTACT US.

• Fewer penalties and fees
• Flexible terms (length)
• Option for multiple home purchases
• Flexible need for mortgage insurance

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FHA

Government-insured Federal Housing Administration loan is for those with limited income or money for a down payment. To learn about FHA loan options tailored specifically for you, click CONTACT US.

• Low 3.5% down payment 
• Flexible income and credit requirements
• Low closing costs
• All fixed rate
• Debt ratios up to 55%

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USDA

USDA home loans are a good option for buyers with limited financial options in designated rural areas. This loan is an option for borrowers with low or moderate household incomes, low credit scores or a thin credit history. To learn about USDA loan options tailored specifically for you, click CONTACT US.

• 102% financing (loan value plus 2% loan guarantee fee)
• Closing costs may be financed
• Seller contributions allowed
• No down payment required
• No reserves required

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REFINANCE

Home owners interested in lowering their monthly payments can refinance their current loan. There are costs associated with refinancing so various factors will determine if it is a good option for you. We can run the numbers for you, click REFINANCE.

• Lower interest rate
• Switch from adjustable to a fixed rate
• Convert equity to cash
• Shorten your loan term

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VA

VA home loans are partly guaranteed by the U.S. Department of Veterans Affairs and are available to active and retired military and their spouses. VA loans are available in adjustable rates and fixed rates. To learn about VA loan options and qualifications, click CONTACT US.

• No down payment
• Higher loan value
• No private mortgage insurance
• Limit on closing costs
• Option for seller to pay closing costs
• No penalty fee for early payoffs

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FIRST TIME HOME BUYERS

We have special programs for the First time Home Buyers that make buying a home more affordable. This process may be new to you, but it's not to us! You can trust us to guide you every step of the way. If you are ready to hear about programs specifically for first time home buyers, click CONTACT US.

• As little as 3% down
• Gift funds can be used
• Flexible terms (length)
• Adjustable or fixed rates

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JUMBO

Jumbo home loans are the way to finance a purchase with a value above federal standards which for a conventional conforming loan is $424,000. To learn about jumbo loan options, click CONTACT US.

• Avoid enormous down payment
• Loan amounts above $424,000

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NON-AGENCY

Non-Agency loans are for the unique buyers looking to finance investment properties. To learn about non-agency options, click CONTACT US.

• Interest only options
• Loan amounts from $75,000 - $2,000,000
• Deferred principal options

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