Mortgage Loans For Homeowners
We offer all solutions for your funding needs.
A conventional fixed-rate mortgage loans is one of the most common home loans. The monthly principal and interest payment remains the same for the entire loan term, giving you a consistent, predictable monthly payment. The conventional fixed-rate mortgage allows for a flexible down payment (as little as 3%), and the term of the loan can range from 10 to 30 years depending on what you choose.
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We also offer an alternative to a fixed-rate mortgage, the adjustable-rate mortgage (ARM) loan. This usually features lower monthly principal and interest payments during the initial rate period. If you plan on moving after a few years, an ARM may be a better option to take advantage of lower monthly payments.
VA Loan
for Veterans and their families
Veterans Administration (VA) loans are backed by the VA, which helps lenders provide more flexible guidelines for VA borrowers.
They can be used for purchasing and refinancing a to a lower interest rate, or even to get cash out of your equity.
VA loans allow VA borrowers to put 0% down payment on a home, making it easier for qualified veterans to own a home.
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No PMI and low credit qualifiers. ​
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HELOC / HELOAN
A Home Equity Loan or Line of Credit is a perfect way to get access to cash from your home equity without touching your first mortgage and without lowering your current interest rate.
A Federal Housing Administration (FHA) loan might be a good option if you have high debt or a lower credit score. You may still qualify for a FHA loan even with a Bankruptcy or other financial issues on your credit report.
FHA mortgage loans are backed by the Federal Housing Administration, a government agency under U.S. Department of Housing and Urban Development (HUD).
FHA loans allow home buyers to borrow up to a certain percentage of a home’s value, depending on their credit score. Home buyers with a credit score at or above 580 can put as little as 3.5% down.
Borrowers at credit scores between 500 – 579 may still qualify for an FHA loan with a 10% down payment.
While FHA loans are available with low down payment options and a lower minimum credit score than most other types of home loans, you’ll have to pay a mortgage insurance premium (MIP).
Jumbo Loans for High Loan Amounts
Perfect for high priced homes, jumbo loans allow you to borrow more than the limits set for conventional and conforming loans.
These loans usually require more down payment because of the higher risk they carry for lenders.
The jumbo loan limits are set by the FHFA Federal Housing Finance Agency. See what you qualify for here.