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Loan Programs

Couple talking to financial advisor at home

"Take your time,
do it right."

Your mortgage is typically the biggest monthly expense of homeownership.

Figuring out how to select one that meets your needs ensures that you’ll be a happy homeowner for years to come.

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Purchase Programs

Fixed Rate Mortgages

Conventional

Home loan with an interest rate that stays the same. Relatively predictable payments. Each month’s principal and interest payment is the same amount.

Adjustable Rate (ARMs)

Conventional

Low introductory rates and flexibility. Potential for much bigger monthly payments over time.

FHA

Down payments as low as 3.5%. Allowances for lower credit scores and higher debt-to-income ratios. 100% Gift funds.

VA

For military-connected borrowers. Generally has a 0% down payment.

USDA

Used to buy, build or update a primary residence in a rural or suburban area. Often requires no down payment.

Getting-to-Yes (GTY) Loans

For those who don’t fit inside the traditional governmental frame: Investors, foreign nationals, self-employed, & borrowers with credit blemishes are all welcome!

Getting-to-Yes (GTY) Loans

For those who don’t fit inside the traditional governmental frame: Investors, foreign nationals, self-employed, & borrowers with credit blemishes are all welcome!

Get Pre-Approved for Your Purchase Today!

We'll give you a call to discuss your purchase goals and actionable steps.

Get Pre-Approved Today.

Renovation Programs

Conventional

Buy, Renovate With One Mortgage. Can be used to renovate 1-4 units (principal), a (1-unit) second home or investment property. Two available products. Flexible rehab criteria.

FHA

Buy, Renovate With One Mortgage. Can be used to renovate 1-4 units (principal residence only), Two available products. Less Flexible rehab criteria.

USDA

Loan to very-low-income homeowners to repair, improve or modernize their homes or grants to elderly very-low-income homeowners to remove health and safety hazards.

VA

VA loans for alteration and repair. Buy or refinance a home and roll the cost of improvements into your mortgage.

Get Pre-Approved for Your Renovation Loan Today!

We'll give you a call to discuss your home renovation goals and actionable steps.

Get Pre-Approved Today.

Refinance Programs

Fixed Rate Mortgages

Conventional

Shorten your loan term, take advantage of lower interest rates or capitalize on that equity you’ve grown!

Refi Possible/RefiNow

Conventional

Developed specifically to help lower-income homeowners save money on their mortgages. Present loan must be backed by either Fannie or Freddie.

FHA

Shorten your loan term, change your interest rate, renovate your home or cash out on that equity you’ve grown!

VA

IRRRL/Cash Out

Get a lower rate, a lower payment, or both. Move from an adjustable-rate loan to a fixed-rate loan. Take up to 100% cash out.

Get Pre-Approved for Your Refinance Today!

We'll give you a call to discuss your refinance goals and actionable steps.

Get Pre-Approved Today.