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Purchasing
- Get Pre-Qualified
- Process of a Mortgage
- Types of Mortgages
- Glossary of Terms
- Understanding Your Credit
Refinancing
- Refinancing Facts
- Types of Mortgages
- Our Blog
- Process of a Mortgage
- Understanding Your Credit
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.