Loan Products
Available Loans & Programs
ADJUSTABLE-RATE MORTGAGE
Flexibility for Homeowners
This loan option features lower introductory interest rates making it perfect for homeowners who see themselves moving after a few years, expect a future pay increase, or find the current interest rate on a fixed-rate mortgage is too high.
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CONVENTIONAL LOAN
Lower Rates and More Flexibility
A conventional loan is not insured by the federal government as opposed to government-insured loans. Conventional mortgages, whether they are conforming or not, typically require a higher down payment. However, these loan options offer more flexibility with fewer restrictions.
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FHA LOAN
Starting a New Chapter
FHA loan options offer flexible qualification guidelines to help those who may not qualify for conventional loan options. First time home buyers and people with low to moderate incomes may benefit most from FHA loan options due to the unique features of this government insured mortgage.
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FIXED-RATE LOAN
Take Control of Your Financial Future
A Fixed-Rate Loan is exactly what it sounds like. This loan program ensures that the interest rate remains the same for the entire term of the loan, allowing you to choose from 10, 15, 20, 25, or 30 year loan terms (depending on the loan type).
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JUMBO LOAN
For BIG Home Dreams
A jumbo loan, or non-conforming mortgage, allows you to purchase more expensive homes with a loan amount above the conforming limit set by the Federal Housing Finance Agency. In most areas of the country, the conventional conforming loan limit is $510,400; however, the limit is $765,600 in higher cost areas.
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REFINANCE
Save Smart
With a refinance, you pay off your current loan with a new loan and restructure the mortgage to fit your needs. You could also save a considerable amount of money over the life of your loan and potentially improve your overall financial outlook.
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RENOVATION LOAN
The Fixer Upper of Your Dreams
Maybe you come across a home with the bones of your dreams but it’s not quite there. There’s a loan option for that! With a renovation loan, you can roll the cost of financing or refinancing a home and repairs into one loan – saving you time and money.
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REVERSE LOAN
Retire the Way You Want to
A reverse loan can be a key component for retirement planning and providing funds now and for the future for consumers ages 62 and older who own their homes outright or have a considerable amount of equity to draw from.
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USDA LOAN
Life in the Slow Lane
If you prefer a simpler and quiet life outside of the city, a USDA Loan program may be right for you. Home loans guaranteed by the United States Department of Agriculture (USDA) provide affordable financing options for properties located in designated small towns, suburbs and exurbs.
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VA LOAN
Serving Those Who Serve
VA Loans are dedicated to helping eligible service members, Veterans, and surviving spouses achieve the American dream of homeownership. Home loans backed by the Department of Veterans Affairs (VA) provide affordable home financing options for military families often requiring no down payment or Private Mortgage Insurance (PMI)
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