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Our objective is to support your home buying goals by offering you the best rates, terms and low costs associated with a new home purchase or refinance of your existing home. If you like having options, you’ve come to the right place. First things first – are you looking to purchase or refinance a home? We offer a wide variety of loan programs to suit the needs of first-time homebuyers, experienced homebuyers, those planning to fix up a home or build a new home, and those looking to refinance.

Our Loan Options

We believe people go online to save time, money and become more informed. As a national lender with longstanding partnerships we have the opportunity to help 1,000s of homeowners every year with their financing needs and home ownership goals.

Fixed

The traditional fixed-rate mortgage has a constant interest rate and monthly payments that never change throughout the life of the loan. Typical loan terms are 30, 20, 15 or 10 years. Payment terms can be adjusted to meet your financial goals.

Fixed rate loans provide the safety that no matter what happens to interest rates, your rate will be consistent for the life of your loan.

  • Consistent Principal & Interest Payment that make your budget planning easier.
  • Security of a Fixed Rate helps you not to worry about rising interest rates in the future.

Adjustable

An Adjustable Rate Mortgage (ARM) has a variable interest rate that will change periodically depending on changes in a corresponding financial index associated with the loan. Your monthly payment will adjust if the index rate goes up or down.

The most obvious benefit of an adjustable rate mortgage is the lower payment that it offers you early on in the loan term. An ARM may be a good option to consider if you plan to own your home for only a few years; you want a lower payment than a fixed-rate mortgage usually offers, or you expect an increase to your future earnings.

  • Lower Interest rates and Lower Payments early on in the term.
  • Interest rate is fixed for a period of 5, 7 or 10 years. After that, your interest rate may change annually.

FHA

An FHA loan is a mortgage issued by federally qualified lenders and insured by the Federal Housing Administration (FHA). FHA loans are designed for low-to-moderate income borrowers who are unable to make a large down payment.

  • With down payment options as low as 3.5%, an FHA loan is a popular loan type for first-time home buyers.
  • Less restrictive credit guidelines.

VA

A VA loan is a mortgage loan available through a program established by the United States Department of Veterans Affairs. VA loans assist service members, veterans, and eligible surviving spouses to become homeowners.

  • These loans offer up to 100% financing on the value of a home.
  • VA loans typically have lower interest rates than conventional loans, so you pay less over time.

Jumbo

Jumbo loans, or non-conforming loans, get their name from the large loan balances available. Conforming loans, which are the largest segment of loans in the U.S., are loans that meet guidelines set by government-sponsored enterprises (GSE), such as Fannie Mae or Freddie Mac. A Jumbo mortgage is a “plus-size” home loan weighing in at a dollar amount above the conforming loan limits.

  • Jumbo loans allow loan amounts that are over the conforming loan limits.
  • These loans sometimes require more stringent credit guidelines and a larger down payment.