Every homebuyer is unique and so are their mortgage needs. Whether you’re buying a home, refinancing, building, or using your home equity, we offer solutions tailored to fit your goals.
Explore the options below to find the right path.
Whether you’re buying your first home, refinancing, or building your dream house, we offer a variety of loans to fit your unique situation.
Perfect for buyers looking for flexibility and competitive rates.
Ideal for first-time homebuyers or those with lower credit scores.
Best for eligible veterans, active service members, and their families.
Designed for buyers in eligible rural areas seeking affordable housing.
Ideal for buyers with unique financial or non-traditional income situations.
For buyers needing financing that exceeds conventional loan limits.
Tailored for medical professionals.
Perfect for buyers needing help with upfront costs.
It’s our commitment to you to close according to the terms of our approval letter, or we will pay $20,000 to the seller — which can really stand out when it comes to putting in an offer.
To check the status of your loan or to modify/add information, you can click here.
A fixed-rate mortgage has an interest rate that remains the same for the life of the loan, providing consistent monthly payments. An adjustable-rate (ARM), on the other hand, has an interest rate that may change after the initial period, causing your payments to increase or decrease over time.
The required down payment depends on the type of loan. Conventional loans can require as little as 3% down, FHA loans as low as 3.5%, and VA and USDA loans may not require any down payment. A larger down payment can help reduce your monthly payments and potentially avoid private mortgage insurance (PMI).
PMI is insurance that protects the lender if you default on your loan. It is typically required for conventional loans when the down payment is less than 20%. You may be able to cancel PMI once you reach 20% equity in your home.
Your mortgage interest rate is influenced by several factors, including your credit score, the size of your down payment, the loan type, the loan amount, and the current market conditions. A higher credit score and larger down payment typically result in lower interest rates.
YES. Getting pre-approved is highly recommended. A pre-approval provides an estimate of how much you can borrow and helps you understand your budget when shopping for homes. It also shows sellers that you’re a serious buyer, which can strengthen your offer.
Ready to get started? Contact a mortgage banker or get pre-approved today.
We’re here to guide you through every step of the homebuying process. Whether you’re navigating it for the first time or ready to dive in and get started, our experienced mortgage bankers are here to help you find the best loan to fit your needs.
Need to check the status of your loan? Manage your loan.
