Loan Programs
Focused - Innovative - Knowledgeable - Committed
Mortgage TypeKey BenefitsWorth Considering If You …
Conventional Fixed-Rate Mortgages
The lowest fixed interest rates for eligible buyers.
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The best fixed rates No interest-rate surprises Plan to stay in your home for a longer period of time Have an established credit history Can put at least 5% down on a homeAdjustable-Rate Mortgages
The lowest rate for the first 3-10 years of the loan for eligible buyers. ARM loan payments may
increase after loan consummation.
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The lowest short-term rates Initial lower monthly payments Initial rate periods of 3-10 years, then rates can adjust up or down Know you’ll be moving within the next few years Have an established credit history Can put at least 5% down on a homeJumbo Mortgages
The lowest rates for higher-priced properties.
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Increased purchase limits Competitive rates Fixed-rate and ARM options Are buying a home that exceeds conforming loan limits ($424,100 inmost areas)
Have an established credit history Can put at least 20% down on a homeFHA Mortgages
Government-backed loans with flexible guidelines.
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Low down payments Flexible qualification guidelines Fixed-rate and ARM options Have limited funds for a down payment Don’t have an established credit history or have experienced credit challenges in the pastVA Mortgages
Government-backed loans for military members.
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Low or no down payment No mortgage insurance requirement Flexible qualification guidelines Fixed-rate and ARM options Are an active military member or veteran Are the surviving spouse of a service member who died as a result of military serviceConstruction Loans
Flexible financing for your future home.
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Convenient financing for new construction Construction-to-permanent loan options Are building a new home to your specifications Are buying a lot for a future homeInvestment Property Loans
Financing for properties that generate income.
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Financing for residential rental property with 1-4 units A variety of loan options to choose from Want to become a landlord Are buying a second homeFresh Start Loans
1 day of out of Bankruptcy – Foreclosure – Short-Sale Low or New Credit OK Rates are fixed/no surprises Long-term loan optionsPrivate Lending
Residential – Commercial – Construction No Doc – Stated income/verified assets OK High debt ratios Not so perfect credit Great for fix & flip Long-term loan options Customized terms Fast closings
