Our Loan Programs:

1. Conventional Loans: These are traditional mortgage loans available for homebuyers with good credit and a stable income. Conventional loans typically require a down payment of at least 3%.

2. FHA Loans: Backed by the Federal Housing Administration (FHA), these loans are designed to help first-time homebuyers and those with lower credit scores. They offer flexible qualification requirements and down payment options as low as 3.5%.

3. VA Loans: Exclusively for eligible veterans, active-duty service members, and their spouses, VA loans provide competitive interest rates and flexible financing options with no down payment requirement.

4. USDA Loans: Offered by the U.S. Department of Agriculture (USDA), these loans are designed for borrowers looking to purchase homes in rural or suburban areas. USDA loans provide 100% financing with low interest rates.

5. Jumbo Loans: Designed for high-value properties that exceed the conventional loan limits, jumbo loans provide financing for luxury homes. They have higher credit score and down payment requirements compared to conventional loans.

6. Adjustable Rate Mortgages (ARM): These loans offer an initial fixed interest rate for a certain period, after which the rate adjusts periodically based on market conditions. ARMs can be a good option for borrowers who plan to sell or refinance before the rate adjustment period begins.

7. Fixed Rate Mortgages: With a fixed rate mortgage, the interest rate remains constant throughout the loan term. This provides stability and predictability in monthly mortgage payments and is suitable for borrowers who prefer long-term consistency.

8. Refinance Loans: Intended for homeowners looking to refinance their existing mortgage, refinance loans can help lower monthly payments, reduce the loan term, or convert from an adjustable rate to a fixed rate.

9. Renovation Loans: These loans combine the purchase or refinance of a home with funds for renovations or improvements. They provide a convenient financing option for homebuyers or homeowners looking to renovate their properties.

10. Reverse Mortgages: Designed for seniors aged 62 and above, reverse mortgages allow homeowners to convert part of their home equity into cash without selling the property. This can provide supplemental income during retirement.

Please note that loan program availability may vary based on individual eligibility and location. Contact our mortgage loan originators to discuss your specific needs and determine the best loan program for you.