Loan Products
Whether you're looking to buy, build, or refinance your home, we've got what you need. If you know what kind of loan product you want, that's great! If not, our loan officers can help you understand what options are available to you, and help find the best fit.
We have a range of products including fixed-rate and adjustable-rate loans, interest-only construction loans, VA and FHA loans, as well as some for first-time homebuyers. We look forward to helping you!
- Conventional - Fixed or ARM
- Conventional loan types require fair to better credit scores and lower debt-to-income ratios, but offer flexibility in terms, property types, and the ability to eliminate private mortgage insurance by
- Refinance
- Refinancing is a strategy used to replace an existing mortgage with a new one. Borrowers often refinance to change their original mortgage's interest rate or loan terms.
This is best for existing bo
- Home Equity
- A home equity loan is a type of mortgage that allows you to borrow a lump sum of cash, using the equity in your home as collateral. Because the loan is secured by your home, the interest rates are ty
- New Construction
- This program is the perfect solution to purchase land (or you may already own the perfect spot), build your dream house, and modify it into your final mortgage. We offer one set of closing costs inst
- Land/Lot
- Found the perfect spot? If you are not ready to build right now, we offer "land only" loans to secure your land and build later.
- Jumbo
- Jumbo loans have loan amounts that exceed Fannie Mae and Freddie Mac limits, requiring higher credit scores, larger down payments, and greater cash reserves than standard conforming loans.
This is a
- FHA
- Finance with a lower down payment than traditional loans; mortgage is guaranteed by the Federal Housing Administration (FHA). You could receive closing cost assistance in the form of a grant or a for
- VA
- Receive up to 100% financing and pay no mortgage insurance; loan is guaranteed by the US. Department of Veterans Affairs (VA). This benefit can be used multiple times and is not limited by the first