Purchase Loans

We have programs designed to help buyers purchase a home with the lowest rate available at the lowest cost.

Refinances

Whether you would like to lower your rate and/or payment, reduce the term of your NOTE, or cashout for home improvements, debt consolidation, or additional cash, we can customize the loan to fit your specific needs.

Conventional

Conventional loans are not insured by FHA or VA. There are a variety of loan terms available and not limited to 15 and 30 year terms. They generally are for buyers with higher credit scores. Down payments low as 3% available. Primary, Second Homes, and Investment Properties are also available under conventional financing.. Single Family, 2-4 unit properties, and condominiums are all acceptable property types under this program.

Home Possible and Home Ready loans are also available.

They are designed to bring home ownership within reach to more borrowers. These loans have income limits but lower down payments and easier credit scoring requirements. Single Family, 2-4 unit properties, and condominiums are all acceptable property types under these programs..

Jumbo Loans

Non Conforming loans for luxury properties that exceed the confirming loan limit of $453,100. Loans up to $2.5 million, fixed rate and ARMS are available. Allowed property types include single family residences, warrantable condominiums, and properties located within Planned Unit Developments (PUDs).

FHA Loans

Loans insured by the Federal Housing Administration. These loans are for individuals with limited funds for down payment and less than perfect credit. Credit scores down to 580 are allowed and 3.5% down payment required.

 USDA loans

USDA loans are designed for homebuyers in rural locations who do not qualify for a conventional loan. Zero down payment required but there are income limits and only 30 year terms available. Both Purchase and Refinance transactions available to those who qualify.

VA Loans

VA Loans insured by US Department of Veterans Affairs and are a valuable benefit for military veterans and active servicemen/women. A minimum credit score of 600 is required for fixed rate financing, ZERO down payment, and jumbo loans available.

Down Payment Assistance Programs Available   **Borrowers with lower credit scores are subject to stricter guidelines**