Loan Options

If you’re planning on buying a home, you may be trying to gain deeper understanding of the different types of mortgages that are available. When you work with our company, our loan officers will help you choose the best type of home loan based on your needs. Below you’ll find a quick break down of the different types of loans we offer.

FHA/First-Time Homebuyers

You might think that you can’t qualify for a loan because you don’t have 20% down or you’ve got less-than-perfect credit, but an FHA-insured mortgage could be just what you’re looking for. Many first-time homebuyers also take advantage of FHA loans to make the exciting jump to homeownership.

New Construction

Building your dream home? Our new construction loans help you focus on the best part – the house design – and we will help you get the mortgage that meets your needs.

Reverse Mortgage

When you hit retirement age, it’s time to kick back and relax. You can make your mortgage work for you by converting a portion of your home’s equity into cash using a reverse mortgage (for people age 62 and older). Take those funds and eliminate debt, make home improvements, and more.

Purchase/General/Conventional Loan

If you’re thinking about buying a new house or refinancing the one you’ve got, you’ve come to the right place. Conventional home loans offer flexible financing solutions with great rates, a wide selection of terms, and low down payment options.

Jumbo Loan

Purchasing your dream home in an expensive, hot real estate market? First of all, that’s awesome. Second of all, a jumbo mortgage is a great way to make that happen. Ask us if a fixed or an adjustable-rate jumbo mortgage is right for you.

Payment Assurance Program

Sometimes things are outside of our control, like losing a job. We get it. That’s why we offer our Payment Assurance Program. This program provides borrowers with peace of mind in the event of an involuntary job loss.

Veterans Assistance Loan

VA loans provide flexible, affordable financing solutions for veterans. If you’re a veteran (or an eligible surviving spouse), this is one of the ways your country can say “thank you” for your service.

Renovation Loans

Let’s face it, at some point every house needs some TLC. If you don’t have cash for a major renovation project, our renovation loans are a practical, affordable solution. This type of loan allows you to roll the cost of home improvements into your mortgage loan.

USDA Home Loan

USDA home loans aren’t just for farmers. Learn how you can take advantage of this special zero down payment mortgage when purchasing a property in an eligible rural or suburban area.

HomeReady

Homeownership is an important goal for everyone, and the HomeReady program makes that happen. This specialized mortgage program helps low-to-moderate income borrowers get into their dream homes with less out-of-pocket cash.

Family Opportunity Home Loan

Family comes first – which is why we make it easy to purchase and/or refinance a property for your college student, disabled child or elderly parent. You can use this program to purchase a home for a loved one who can’t qualify for a mortgage on their own.

HUD-184

This flexible, unique program is designed to help Native Americans achieve homeownership with flexible underwriting guidelines and limited out-of-pocket cash.

 

For more information on the different types of home loans, call us today to speak with an experienced loan officer.