Loan Options

We offer you a wealth of government-sponsored lending options as well as conventional mortgages. To find out more, you can apply now or request a consultation.

Fixed-rate

  • Interest rate stays the same over the life of the mortgage
  • Makes budgeting easier and more predictable
  • Terms are available from 10 to 30 years

Adjustable Rate Mortgages

  • Initial rate often lower than for fixed-rate mortgages
  • After the initial period, the interest rate fluctuates over the life of the mortgage, depending on prevailing rates

FHA

  • For borrowers who may not qualify for a conventional mortgages
  • Down payments as low as 3.5% of purchase price
  • One- to four- unit homes eligible
  • Loan programs for first time home buyers, fixer-upper homes, etc.

VA

  • For eligible veterans, service members, and surviving spouses
  • No down payment (under certain conditions)
  • Private mortgage insurance not required
  • Ceiling on closing costs

USDA

  • For low- to moderate- income rural home buyers.
  • No down payment required
  • Check property eligibility here