Loan Options

Conventional Fixed Rates

A conventional fixed rate mortgage offers homebuyers stability and predictability in their monthly payments. With a fixed interest rate that remains unchanged for the entire term of the loan, homeowners can confidently plan their finances without worrying about fluctuating interest rates.

Federal Housing Administration (FHA)

Backed by the Federal Housing Administration, it is designed to make homeownership more accessible, especially for first-time buyers or those with less-than-perfect credit. Offering flexible qualification requirements and low down payment options, FHA loans can be an excellent path to achieving your homeownership goals.

Adjustable Rate Mortgage (ARM)

An adjustable rate mortgage (ARM) offers an initial period of lower interest rates, which can adjust periodically based on market conditions. Ideal for buyers planning to stay in their homes for a shorter period, ARMs provide flexibility and the potential for significant savings during the initial rate period.

Veterans Affairs (VA)

A VA Loan, backed by the Department of Veterans Affairs, provides an excellent mortgage option for veterans, active-duty service members, and eligible spouses. Offering favorable terms and benefits like no down payment requirement and competitive interest rates, VA loans are designed to make homeownership more accessible for those who have served our country.

A USDA loan, backed by the U.S. Department of Agriculture, is a government-backed mortgage program designed to help individuals and families achieve homeownership in eligible rural and suburban areas. With no down payment requirement and competitive interest rates, USDA loans make it easier for buyers in qualifying locations to purchase a home.

USDA

Construction Lending

One-Time Close New Construction for conventional and VA loans. This is a great program for builders and contractors.

Home Equity Financing

We offer Home Equity Financing options, including HELOCs and Cash-Out Refinances, to help homeowners access the equity they’ve built for goals like home improvements, debt consolidation, or other major expenses. Whether you need flexible access to funds through a HELOC or a lump-sum solution through a cash-out refinance, we help you compare options and choose the financing strategy that best fits your needs.

Refinancing

For homeowners looking to lower their monthly mortgage payment and refinance at a new rate, we offer refinancing solutions with competitive rates.