THE RIGHT LOAN MAKES ALL THE DIFFERENCE

Homeownership is typically the biggest investment one will make in their lifetime, and we take matching you with the right mortgage very seriously. There is no one-size-fits-all home loan, so we find the financing that’s the best fit for you.

Below are some of our most popular loan programs. However, there’s no substitue for a quick conversation to answer your questions and determine which would indeed be the mortgage that makes the most sense for you.

FIXED LOAN
RATES

  • 30-, 25-, 20-,15- and 10-year terms are all available at a fixed rate.
  • Buy a home with as little as 5% down (primary residence).
  • Refinance up to 95% of your primary home’s value.
  • Monthly payments remain the same for the entire loan term.

ADJUSTABLE RATE
LOANS

  • 3/1, 5/1, and 7/1 ARM’s. Monthly payments based on a 30 year repayment schedule.
  • The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.

FHA
LOANS

  • 3.50% minimum down payment required on purchase.
  • Minimum credit score usually 620.
  • Post-bankruptcy qualifying – 2 years after.
  • ost-foreclosure qualifying – 3 years after.

VA
LOANS

  • Post-foreclosure qualifying – 3 years after.
  • Sellers can pay up to 6 percent of closing costs and concessions.
  • Higher allowable debt-to-income ratios than for many other loans.
  • Higher allowable debt-to-income ratios than for many other loans.

ARE YOU READY TO GET STARTED ON A REFINANCE OR PURCHASE LOAN?