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We Will Help You Choose
The Right Loan!

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Fixed Rate Loans

  • 30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.

  • Buy a home with as little as 5% down (primary home).

  • Refinance up to 95% of your primary home's value.

  • Monthly payments remain the same for the entire loan term.



Adjustable Rate Loans

  • 3/1, 5/1, and 7/1 ARM's. Monthly payments based on a 30 year repayment schedule.

  • Provides veterans with flexible lending options and loan security.

  • The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.



USDA Loans

  • 100% Financing.

  • Low Monthly Mortgage Insurance(MI).

  • Low Mortgage Interest Rates.

  • Low Closing Costs.



VA Loans

  • Competitive interest rates that are routinely lower than conventional rates.

  • Sellers can pay up to 6 percent of closing costs and concessions.

  • Higher allowable debt-to-income ratios than for many other loans.

  • 0% down payment required on purchase.



FHA Loans

  • 3.50% down payment required on purchase.

  • Minimum credit score usually 620.

  • Post-bankruptcy qualifying - 2 years after.

  • Post-foreclosure qualifying - 3 years after.


FHA 203K Loan


It’s an FHA loan to purchase or refinance your home with additional funds for your home improvements. FHA insures different types of home loans which one of them is the 203k that is used to rehab properties.

FHA & HUD $100 Down Mortgage Program

  • Only $100 down payment is required to purchase one of these homes (some closing cost may still apply.)

  • Offers the Lowest Down Payment requirement (very close to 100% financing.)

  • Generally easier to qualify for than conventional loans.

  • Generally offers lower interest rates than conventional loans.


USDA Loans

  • 100% Financing

  • Low Monthly Mortgage Insurance(MI)

  • Low Mortgage Interest Rates

  • Low Closing Costs


3% Down Mortgage Loan

  • A minimum credit score of 700

  • Purchase Transactions only(Single Family Properties)

  • Save on Monthly Mortgage Payments(Maximum Mortgage Insurance capped at 25% versus standard 35%.

  • No Reserves Required


TBD Approvals

  • Sellers know the loan process has been completed so there is no worry that the sale won't close.

  • Buyers can negotiate a good purchase price because they know they can close quicker than with a traditional loan process and they can offer the seller an assured closing


HomeStyle® Renovation Mortgage

  • 620 minimum qualifying credit score

  • Eligible properties include 1 - 2 unit primary residences, 1 unit second homes and investment properties, PUDs, and Fannie Mae approved Condominiums

  • Available in 15 and 30 year fixed terms – ARMs are not permitted


Down Payment Assistance

  • DPA is a grant equal to 2% of purchase price

  • May be combined with up to 6% seller concession for closing costs

  • Minimum qualifying credit score: 580

  • Can be used with the FHA 203(b) program or any of our FHA renovation programs


One-Time Close Loan

  • Insured by Government Loans, which keep interest rates low

  • For Construction-to-Permanent, closing occurs before construction begins

  • 96.5% Maximum LTV-FHA; 100% Maximum LTV-VA and USDA

  • No payments due during the construction phase