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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
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