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The Right Loan Makes All the Difference

We offer a full lineup of loan options and we’ll be happy to customize your package to better suit your needs.

Our Loan Offerings:

Conventional Loans

One of the most common mortgages types, conventional loans follow guidelines set by Fannie Mae and Freddie Mac.

  • Can be used for primary, second homes, or investment properties
  • Low downpayments – can qualify with as little as 3% downpayment
  • No monthly mortgage insurance required with a downpayment of at least 20%
  • Maximum loan amounts of up to $1.5 million (Jumbo programs)
  • Available in fixed rate, adjustable rate (ARMs), and 15-30 year terms
Federal Housing Administration (FHA) Loans

Provides a channel for first-time homebuyers and borrowers with limited financial resources.

  • Low downpayments – can qualify with as little as a 3.5% downpayment
  • Rates competitive with Conventional Loans
  • Flexible credit qualifications
  • No pre-payment penalties
  • Can borrow for energy related improvements through the Energy Efficient Mortgage program
  • Available in fixed rates, adjustable rates (ARMs), and 15-30 year terms
Veterans Administration (VA) Loans

A mortgage loan guaranteed by the Department of Veterans Affairs.

  • Must be eligible through your affiliation with the military
  • Low or no downpayment
  • Low fees
  • Only available to finance a primary home – cannot be used to purchase a vacation or investment home
  • Refinance of second home or investment home is allowed through the VA Interest Rate Reduction Loan if you already have an existing VA home loan
USDA Rural Development Loans (RD Loans)

USDA guarantees a portion of the loan for local lenders who handle the loan transaction for homebuyers.

  • Fixed-rate loan with no pre-payment penalty
  • No downpayment required
  • No military service required
  • The home must be located within a USDA-eligible area and the borrower must meet USDA income limits
  • Must be your primary residence, meaning you plan to live there for the foreseeable future 
    Investment properties, and second home purchases are not eligible for the USDA loan program