**Loan Programs**

- **Fixed-Rate Mortgage**: Our fixed-rate mortgage program offers stability and predictability to borrowers. With this loan option, the interest rate remains constant throughout the loan term, allowing borrowers to budget effectively and plan for the long term.

- **Adjustable-Rate Mortgage (ARM)**: The adjustable-rate mortgage program provides flexibility in interest rates. This loan starts with a fixed rate for an initial period, typically 5 or 7 years, and then adjusts periodically based on market conditions. It may be suitable for borrowers who expect their income to increase or plan to sell the property before the initial rate adjustment.

- **FHA Loans**: The Federal Housing Administration (FHA) loan program is designed to assist low-to-moderate income borrowers. It offers competitive interest rates and more flexible qualification criteria, including lower down payment requirements, making homeownership more accessible for many individuals and families.

- **VA Loans**: We proudly support our veterans and offer VA loans exclusively for eligible servicemembers, veterans, and their spouses. Backed by the Department of Veterans Affairs, this program provides favorable terms, including no down payment, competitive interest rates, and relaxed credit requirements.

- **USDA Loans**: The USDA Rural Development loan program helps homebuyers in eligible rural areas achieve their homeownership goals. With low or no down payment requirements and attractive interest rates, USDA loans are ideal for borrowers who meet the criteria and seek affordable housing options outside urban areas.

- **Jumbo Loans**: Our jumbo loan program assists borrowers seeking high-value homes that exceed the conforming loan limits set by government-sponsored enterprises. Jumbo loans provide substantial financing options for luxury residences or properties located in high-cost areas.

- **Construction Loans**: We offer construction loans to finance the construction of a new home or major renovations. These loans typically have variable interest rates during the construction phase and then convert to a fixed rate once the construction is completed.

- **Bridge Loans**: Bridge loans provide short-term financing to bridge the gap between the sale of an existing home and the purchase of a new one. This option allows borrowers to access funds for the down payment on their new home while waiting to sell their current property.

Please note that the availability of specific loan programs may vary depending on factors such as location, borrower qualifications, and market conditions. Contact our team for personalized assistance and to determine the loan program that best fits your needs.