Conventional Purchase
  • Multiple down payment options available, as low as 3%
  • Customize your loan term from 8 to 30 years
  • No more balloon payments just fixed or adjustable
  • Choose from interest rate programs, such as fixed, adjustable, or balloon
  • Offers lower or no mortgage insurance, depending on down payment
  • Ideal for all property types, such as condominiums, second homes, or investment properties
Conventional Refinance
  • Lower your payment or take cash out to take advantage of lower interest rates
  • Consider moving from a 30 year to a 20 or 15 year term to pay your home off faster
  • Consolidate or pay off higher interest debt, such as credit cards or home equity loans
  • Pull cash out for larger expenses or investments
  • Mortgage interest may be tax deductible (consult with your tax advisor for details)
FHA
  • Ideal for first-time homebuyers or those who haven’t owned a home in a while
  • Allows home purchases with as little as 3.5%, reducing cash needed to close
  • More flexible qualifying guidelines than typically offered by conventional financing programs
  • Streamline and cash out refinances available that simplify the loan process
  • Purchase and rehab financing allows for quick spruce-ups or major remodeling
VA
  • Ideal for active, non-active, and retired veterans who meet the Armed Services requirements
  • Home purchases with as little as 0% down and no monthly mortgage insurance, saving you money
  • More flexible qualifying guidelines than typically offered by conventional financing programs
  • Streamline and cash-out refinances available that simplify the loan process
  • Seller can pay for repairs and/or closing costs
USDA
  • Great for homebuyers with lower to moderate incomes and purchasing homes in rural areas
  • Allows home purchases with as little as 0% down, reducing cash needed to close
  • USDA Guarantee Fee and eligible closing costs may be financed
  • Gift money, grant money, and seller contributions are allowed
Reverse Mortgage
  • Ideal for homeowners ages 62+ who do not want a monthly mortgage payment
  • Provides cash flow for living expenses or emergency expenditures, such as home repairs
  • Pay for medical costs, such as surgeries, hospital stays, and in-home care
  • May also be used to pay off existing mortgage
  • Program experts to help you understand and navigate program details