Purchase

Whether you are looking to purchase your first home, second home, vacation home, or retirement home, we offer a large line of products that will work for you.

Refinance

Whether you are looking to shorten your term, lower your payment, or get cash out, we will help you find the best product to reach your goals. 

Loan Products Made for you

Fixed Rate

Product Details:

This is our most popular program for refinancing or new home purchases.  Offered in customizable terms from 8 to 30-year increments, your rate will be fixed for the entire term of the loan.

ADVANTAGES

  • Fixed Rate over the life of the loan
  • Great for all borrowers
  • Allows for a shorter term to pay off your home faster
  • Fixed payment provides security

Adjustable Rate

Product Details:

If you are planning on staying in a home for 7 years or less, an ARM program might be a great fit for you.

ADVANTAGES

  • Lower initial rate and payment
  • Potential for rate to decrease over time
  • Great for borrowers looking to pre-pay their principal

No PMI

Product Details:

Great for people who have less than 20% equity

ADVANTAGES

  • No monthly PMI premiums
  • Lower monthly payment
  • Available on fixed or ARM’s for qualified borrowers

FHA Mortgage

Product Details:

Backed by the Federal Housing Administration. FHA mortgages offer more lenient underwriting guidelines.

ADVANTAGES

  • Relaxed underwriting guidelines
  • Down payments as low as 3.5%
  • Great for first-time buyers
  • Credit scores as low as 550
  • Offers ability to streamline refinance anytime in the future

Veteran’s Loans

Product Details:

Available only to active military and veterans, these loans offer up to 103.5% financing, no money down purchases and 100% cash out.

ADVANTAGES

  • Backed by the VA
  • Offers ability to streamline refinance anytime in the future
  • Relaxed underwriting guidelines down to 580 score
  • No MI over 80%

Jumbo Loans

Product Details:

Great for larger home purchases and refinances, we offer an array of options for those borrowing over the Fannie Mae / Freddie Mac county loan limits. 

ADVANTAGES

  • Allows borrower to borrower more than the Fannie Mae/Freddie Mac loan limits
  • Allows for 15% down payment
  • Great for refinance or purchase

USDA Loan

Product Details:

Excellent option for borrowers in rural areas or with high-acreage properties.

ADVANTAGES

  • Low monthly mortgage insurance
  • Allows up to 100% financing on purchases
  • Flexible credit guidelines

Are you ready to open your next door?

Ready to get started? Apply below!