Adjustable Rate Mortgage
If you're looking for lower monthly payments, are expecting an increase in income soon, or plan to move or refinance in 3-5 years, an Adjustable-Rate Mortgage (ARM) may be what you need. Your monthly payment adjusts as interest rates change, rising if rates go up or decreasing if they fall.
Fixed Rate Mortgage
A great choice if you plan to stay in your home for a long period of time, this loan provides a consistent interest rate and monthly payment over the course of the loan. Available in a variety of loan terms.
If you want to finance more than $647,200, this is an excellent option. With flexible terms, we'll personalize the loan to your situation. Long-term financing is available, as well as fixed and adjustable rates.
Finance the construction of your new home or the renovations on an existing home. If building, wrap your lot loan and construction financing into one single loan, and enjoy a fixed rate with interest-only payments. You can prepay your construction loan without any prepayment penalty. Keep in mind, you must use a licensed contractor.
Enjoy lower down payment requirements and flexible credit and income guidelines with the Federal Housing Administration (FHA) and the U.S. Department of Veterans Affairs (VA) government insured fixed or adjustable loans.
FHA Loan Features
- Low down payment
- No maximum income/earning limitations
- 203K Renovation Loan
For Service Members and Veterans of the Armed Services
- Up to 100% financing, with as little as zero down payment for qualified borrowers
- More flexible qualification guidelines
Rural Housing Loans (USDA)
Designed to help those in qualifying rural areas become homeowners, this loan features no down payment requirements for both first-time homebuyers and previous homeowners. Single family homes and townhomes are eligible.
Physicians Loan Program
Subject to credit approval.
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