1. **Conventional Loans:** Our conventional loans are a popular choice for borrowers with good credit and a stable financial history. These loans typically have fixed or adjustable interest rates, and they require a minimum down payment of 5%. Conventional loans offer flexible terms and can be used for various purposes, including purchasing a primary residence, second home, or investment property.

2. **FHA Loans:** Backed by the Federal Housing Administration (FHA), FHA loans are designed to help individuals and families with lower credit scores or limited savings to become homeowners. These loans offer more lenient eligibility criteria, allowing for a down payment as low as 3.5% and a lower minimum credit score requirement compared to conventional loans. FHA loans also provide options for streamlined refinancing.

3. **VA Loans:** Available exclusively to active-duty military personnel, veterans, and eligible surviving spouses, VA loans are guaranteed by the Department of Veterans Affairs (VA). These loans provide favorable terms and features, including no down payment requirement and competitive interest rates. VA loans are a great option for those who have served their country and are looking to purchase a home or refinance their existing mortgage.

4. **USDA Loans:** Our USDA loans cater to individuals and families in rural areas who meet specific income requirements. Offered by the United States Department of Agriculture (USDA), these loans provide 100% financing, eliminating the need for a down payment. USDA loans offer affordable fixed interest rates and flexible credit guidelines to help promote homeownership in rural communities.

5. **Jumbo Loans:** For borrowers seeking to finance higher-priced properties that exceed the limits set by conventional loan programs, we offer jumbo loans. These loans are suitable for purchasing luxury homes or properties in high-cost areas. Jumbo loans provide flexible terms, competitive rates, and alternative down payment options for qualified borrowers.

6. **Renovation Loans:** If you're looking to purchase a home in need of repairs or renovations, our renovation loans can help. We offer various loan programs that provide funds for both the purchase price and the cost of improvements. These loans allow borrowers to finance their home purchase and renovation expenses into a single mortgage, simplifying the financing process.

7. **First-Time Homebuyer Programs:** As part of our commitment to supporting first-time homebuyers, we offer specialized loan programs tailored to their unique needs. These programs often include low down payment options, down payment assistance grants, and educational resources to help individuals navigate the homebuying process successfully.

Please note that the availability and specific details of loan programs may vary depending on individual eligibility, location, and other factors. It is recommended to contact our knowledgeable loan officers for personalized assistance and to explore all available options.