Fixed Rate

A fixed-rate loan offers a stable monthly payment over the life of the loan. You’ll always know exactly what your payments will be.

FHA (low down payment)

FHA loans are a government initiative designed to increase home ownership. FHA loans offer a low down payment requirements and are more forgiving of credit history.

VA (no down payment)

Offered exclusively to those who’ve served in the armed forces, VA loans offer easy qualification, no down payment, and excellent rates.

Loans for customers with less than perfect credit

Life presents many challenges, and it’s easy to find yourself in a situation where your credit may be a little damaged. A loan officer can help you sort out your credit problems and find a loan program that works for you.

Rural Housing

No down payment loan for properties located in suburban, rural, and semi-rural locations.
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FHA 203K Renovation

The FHA 203k renovation loan program provides funds for both the purchase and renovation of a owner occupied home packaged into one mortgage loan. Once the purchase of the home is closed, renovation funds are held in escrow to pay for pre-determined renovation work done by approved renovation contractors.

Reverse Mortgage

A HECM reverse mortgage is a type of mortgage loan that is insured by the FHA (Federal Housing Administration) and is available only to homeowners aged 62 or older that enables a borrower to convert part of the equity in their home into cash.

Cash out refinance

A cash-out refinance lets you take advantage of the equity you’ve built, by paying your mortgage or because your home increased in value. You can refinance the balance of your mortgage and receive the difference in cash.

VA Interest Rate Reduction Refinance

An interest rate reduction refinance lets you take advantage of lower rates and a lower monthly payment

First Time Buyer Programs

We offer many programs designed especially for first time buyers, including some local grant programs.

Jumbo Loans

A jumbo mortgage is a home loan for an amount that exceeds conforming loan limits established by regulation.