Loan Options

Stability and predictability are hallmarks of the fixed-rate mortgage. With this option, your interest rate and monthly payments remain consistent throughout the life of the loan. This makes it easier to plan your budget and ensures that there are no surprises down the line. Fixed-rate mortgages are ideal for buyers who plan to stay in their homes long-term and want the peace of mind that comes with knowing their monthly payment will never change. Whether you’re buying a starter home or your forever home, this loan offers the financial security you deserve.

If you’re looking for a loan with flexible qualification requirements, FHA loans could be your perfect match. Backed by the Federal Housing Administration, these loans are designed to make homeownership accessible to more people. FHA loans typically feature lower down payment requirements and more lenient credit score criteria, making them an excellent choice for first-time homebuyers or those with a limited credit history. The government backing provides lenders with added security, allowing them to offer more favorable terms to borrowers.

For those who have served in the military, VA loans offer unparalleled benefits and flexibility. Available to veterans, active-duty service members, and eligible surviving spouses, VA loans require no down payment and often come with competitive interest rates. They also eliminate the need for private mortgage insurance (PMI), saving you money in the long term. Whether you choose a fixed-rate or adjustable-rate VA loan, you can count on an option tailored to honor your service and help you secure the home of your dreams.

Dreaming of turning a fixer-upper into your dream home? A rehab loan allows you to roll renovation costs into your mortgage, simplifying the financing process for properties that need a little TLC. Whether you’re updating a kitchen, adding a new bathroom, or repairing structural issues, this loan makes it easy to fund your home improvements without taking on separate loans or additional debt. It’s a perfect option for buyers with a vision for what their ideal home could be.

If you’re interested in living in a rural or suburban area, USDA loans might be the best option for you. These loans, backed by the U.S. Department of Agriculture, allow qualified buyers to purchase homes with no money down. In addition to zero-down financing, USDA loans often feature lower interest rates and reduced mortgage insurance costs, making homeownership affordable for families and individuals in eligible areas. Whether you’re looking for a peaceful countryside retreat or a quiet suburban neighborhood, USDA loans can help make it happen.

For high-value properties that exceed conforming loan limits, jumbo loans provide the flexibility you need. Whether you’re purchasing a luxury home or a property in a high-cost area, jumbo loans are designed to accommodate larger loan amounts. While they may have stricter qualification requirements, such as a higher credit score and a larger down payment, they offer competitive rates and terms for those who meet the criteria. With a jumbo loan, you can finance your dream property without compromise.

Taking the leap into homeownership for the first time can feel overwhelming, but our first-time homebuyer programs are designed to make the process easier and more affordable. These programs often feature low down payment options, favorable interest rates, and resources to help you understand every step of the journey. As a first-time buyer, you’ll receive personalized guidance to ensure you make informed decisions that set you up for long-term success.

Think you need a large upfront payment to buy a home? Think again. With our low down-payment loan options, you can achieve homeownership with minimal upfront costs. These programs are ideal for buyers who have strong credit but may not have substantial savings for a down payment. We’ll work with you to explore options that make homeownership attainable without straining your finances.