We offer a full menu of mortgage products designed to fit all of your mortgage financing needs.

We will work with you one-on-one to tailor a financial solution specifically suited to meet your financing needs. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team can help you find the right loan program. Be sure to consult with your Mortgage Loan Officer for specifics regarding each program.

Fixed Rate

Fixed-rate home loans are the most common type of home loan in the mortgage industry. This option is low-risk and gives you predictable monthly principle and interest (P&I) payments for the next 15 or 30 years, depending on which loan term you choose. Fixed-rate loans are reliable for long-term owners ready to settle in one place for a long period of time.

The main attraction of a fixed rate home loan is security. The terms protect you from changes in the market, while still having the flexibility to refinance during improved market conditions. The benefits of a fixed-rate home loan include:

  • Consistent monthly payment
  • Mortgage tax interest deduction
  • Long-term security
  • Protection from future interest rate increases

Adjustable Rate

An adjustable rate mortgage (ARM) is ideal for borrowers who plan to move within five years. ARMs take advantage of a low “introductory” interest rate so the loan stays at the same rate typically for 5, 7 or 10 years. Once the introductory period expires, the interest rate changes with the movement of an “index” (major interest rate). Following this movement, the amount of monthly interest either increases or decreases. The advantages of ARMs include:

  • Lower starting interest rate
  • Lower starting monthly payment
  • Ability to afford more house space
  • Possible to pay less in return, in favorable market conditions


Federal Housing Authority (FHA) loans are government assured and are ideal for people with limited income or money for a down payment. These loans typically help first-time homebuyers, seniors or others with limits on what they can afford. Some benefits of FHA home loans include:

  • Low down payment
  • Flexible income and credit requirements
  • Low closing costs


Conventional home loans are not backed by a federal agency, such as the U.S. Department of Veteran Affairs, U.S. Department of Agriculture or Federal Housing Administration. Conventional loans are idea for people with a stable job, income and good credit. Conventional home loans are more flexible in their terms and have fewer restrictions compared to government-backed products. Some benefits of conventional home loans include:

  • Low interest rate for borrowers with good credit
  • Fewer penalties and fees
  • Flexible terms (length)


Jumbo home loans are considered non-conforming mortgages. They are for purchases with a loan value above the federal standard of $548,250, although that number varies based on location. For a home with a purchase price above this limit, a jumbo loan is needed.


FHA 203K Renovation Loan

The FHA 203K renovation loan gives eligible homeowners the power to turn a place with potential into the home of their dreams by financing major upgrades in their homes while keeping the costs as low as possible. With access to a large amount of funding for repair and renovation, borrowers can escape duplicate costs of taking out more than one loan. By going with a single loan, borrowers can skip paying the extra expenses that a second loan would require and avoid the higher interest rates associated with short-term lending. The advantages of an FHA 203K Renovation loan include:

  • One loan amount
  • One interest rate
  • One payment
  • One “as-complete” value
  • One round of closing costs

HomeStyle Renovation Loan

A HomeStyle® Renovation loan rolls two loans into one allowing homeowners to repair, improve or create the house they desire. With a HomeStyle Renovation loan (with 5 percent down), the money to finance (or refinance) the house and complete repairs is rolled into a single home loan. This method can free borrowers from certain fees and processing costs. While other loans focus on cosmetic upgrades, such as remodeling, HomeStyle fixed rate and adjustable rate opportunities are available to fix or upgrade the structure of a borrower’s home. The areas of improvement must be attached to the structure and add value. Possible renovations include: interior and exterior renovations, fences, decks, landscaping or in-ground pools. The advantages of the HomeStyle Renovation loan include:

  • One loan amount
  • One interest rate
  • One monthly payment
  • One “as-completed” value
  • One round of closing costs


Veterans Affairs (VA) home loans are a great benefit to military personnel during and after their service. These loans are partly guaranteed (typically a quarter of loan value) by the U.S. Department of Veterans Affairs and offers the following advantages:

  • No down payment
  • Higher loan value
  • No private mortgage insurance
  • Limit on closing costs
  • Option for seller to pay closing costs
  • No penalty fee for early payoffs
  • Possible VA assistance if you have difficulty with payments


The United States Department of Agriculture (USDA) home loan helps borrowers with low or moderate household incomes, low credit scores or a thin credit history. The borrower must meet eligibility requirements based on income, location, property size and other factors. Eligible borrowers can receive the following benefits from their USDA government-insured loan:

  • 102% financing (loan value plus 2% loan guarantee fee)
  • Fixed rates available
  • Affordable interest rates
  • Self-employed income accepted
  • No limit except affordability
  • No mortgage insurance required
  • No reserves required

State Bond Programs

State Bond Programs are funded by the issuance of Mortgage Revenue Bonds (MRB) and designed to provide eligible homebuyers a below-market interest rate. These programs are available throughout the United States and sponsored by state or local Housing Finance Agencies (HFA). The HFAs sell tax-exempt mortgage revenue bonds to investors with the proceeds from the sale of these bonds used to make below-market rate loans to eligible homebuyers. The benefits of a State Bond Loan from your State or local Housing Finance Agency (HFA) include:

  • Below-market rate
  • Lower monthly payments
  • Ability to buy more house
  • Reasonable fees

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