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Your Local Mortgage Experts Welcome to your hometown mortgage professionals.

Purchasing Purchasing
  • Get Pre-Qualified
  • Process of a Mortgage
  • Types of Mortgages
  • Glossary of Terms
  • Understanding Your Credit
Refinancing Refinancing
  • Refinancing Facts
  • Types of Mortgages
  • Our Blog
  • Process of a Mortgage
  • Understanding Your Credit
Mortage Popular Mortage Programs
  • FHA
  • Conventional
  • 203(k)
  • VA
  • View All Programs

Types Of Mortgages No matter your situation, we’ll fit you with the right mortgage for your specific scenario.

FHA A FHA Loan is a great solution for a first-time homebuyer as well as those who want to make a lower down payment. Additionally, a FHA loan will help our clients with less-than-perfect-credit!
  • Gift Funds Allowed - Your friends and family can help finance your dream home.
  • Most FICO scores are accepted - More flexibility with FICO scores.
  • Streamlined refinance - Refinance quickly without an appraisal.
Veteran's "VA" Loan For the men and women that served us, we serve you by offering one of our best products.
  • You Earned This - For the men and women that served us, we serve you by offering our best product.
  • No Money Down - Many purchases will qualify for 100% of the homes value.
  • Fast Processing - Let our VA team guide you through a fast and easy process.
USDA Rural Loan The USDA Mortgage is meant to spur homeownership in pre-designated rural and underdeveloped areas. Take advantage of a 0% down-payment with this program!
  • 0% Down Payment - That’s right! This program offers 100% financing for qualifying members
  • First-Time Buyer Friendly - USDA Loans can be used by first time buyers and repeat home buyers alike.
  • No Homeowner Counseling Required - Unlike other mortgage programs, the USDA program doesn’t require a homeowner counseling course to qualify.
  • Insured by the U.S. Department of Agriculture - Via the USDA, you can finance 100% of a home’s purchase price while getting access to better-than-average mortgage rates.
203K Home Loan Renovation Planning to buy a fixer-upper? This program combines your construction loan and your mortgage into a single home loan, which saves money in closing costs and simplifies the home renovation process.
  • Renovating? Save money! - Combine your renovation loan and your mortgage into a single home loan, which limits your loan closing costs.
  • Buying or Refinancing? - The 203k loan is available to both buyers and current homeowners.
  • Backed by the Federal Housing Administration - The 203k loan combines the traditional “home improvement” loan with a standard FHA mortgage, with loan amounts of up to $625,500.
  • Streamline your 203(k) - The streamlined 203k loan is for less extensive projects and costs are limited to $35,000.
Low Down Conventional Loan Have you heard?! Fannie Mae and Freddie Mac have re-established their low down-payment programs, MyCommunity and Home Possible. We’re trained to understand how these programs work and how they can benefit your unique financial picture.
  • Lower Required Down-Payment - Compared to other conventional mortgage programs, these programs allow qualified homebuyers to put less money down on their home.
  • Greater Purchasing Power - Since homebuyers are allowed to put less towards their downpayment, they may be able to afford a larger home that they previously didn’t qualify for.
  • Save Money for Home Expenses - Moving can become an expensive endeavour. With less down, you will be able to spend more of your cash on things your home needs!
  • Home-Buyer Counseling Required - At least one of the homebuyers will be required to attend a home-buyer education course.
Conventional Loan Take advantage of low rates with a conventional purchase.
  • Most Common - This is the most utilized mortgage program.
  • Great Rates - Conventional loans offer low mortgage rates to save you money.
  • Up to 30 Years - R30, 20, 25, 15 and 10 year mortgages available.
  • Fixed & Adjustable Rates - Choose between fixed options and adjustable options.