Loan Options We Offer!

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 A 30-year fixed mortgage is a home loan with an interest rate that stays the same over a 30-year period. These are our most popular home loans as they offer the lowest monthly payment and have fixed rates over a 30 year timeframe. 

 A 15-year fixed mortgage is a home loan with an interest rate that stays the same over a 30-year period. These loans are popular amongst our clients that are looking to pay off their home loan faster and pay less in interest. 

 Are you are a veteran, member of the military or military spouse? You may qualify for a VA loan.  VA Loans offer flexible options as either fixed-rate or ARM mortgages.  You may qualify for fast approval and a hassle-free loan even with less than perfect credit.  Refinance up to 100% of your home or buy a new home with no down payment and never pay monthly insurance (PMI)! 

 USDA loans are a zero down payment mortgage option backed by the United States Department of Agriculture (USDA) and offered by approved lenders to help fund rural housing development for low- to moderate-income individuals and families throughout the U.S. These government-backed loans can be used to purchase, build, repair or refinance a home in a rural area. 

 FHA loans have a low minimum credit score and down payment requirement, which makes them especially popular with first time homebuyers.. You can get an FHA loan with a credit score as low as 580 if you have 3.5 percent of the home’s purchase price to put down, or as low as 500 with 10 percent down. These flexible underwriting standards are designed to help more borrowers become homeowners. 

 As the name implies, a jumbo loan covers a larger-than-normal loan amount. More specifically, a jumbo loan is any mortgage that exceeds an area’s conforming loan limits, which are set yearly by the Federal Housing and Finance Agency (FHFA). 

A home equity line of credit, also known as a HELOC, is a line of credit secured by your home that gives you a revolving credit line to use for large expenses or to consolidate debt on other loans such as credit cards.