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Loan Programs

Conventional Loan

Conventional loans are the most common and widely available mortgage option. For borrowers with good credit, balanced income, debt and some down payment, they are often the least complicated way to get the most flexible mortgage options.

  • Fixed Rate
  • 10, 15, 20 and 30 year terms
  • Available for Purchase and Refinance Transactions
  • Low Down Payment Options Available for Qualified Borrowers
  • Can Finance Primary, Second Homes, and Investment Properties

FHA Loan

FHA Loans are insured by the Federal Housing Administration (FHA), a branch of the U.S. Department of Housing and Urban Development, or HUD. FHA is often the best option for people who need a little extra flexibility when qualifying for a new home mortgage. You do NOT need to be a first time buyer – anyone who is buying a new home to use as their Primary Residence, or Second Home is eligible.

  • For Primary Residence or Second Home
  • A minimum of 3.5% down payment required – May be a gift!
  • Seller can contribute up to 6% of borrower’s closing costs
  • Flexible Mortgage Guidelines
  • Available for Purchase and Refinance Transactions

VA Loan

The Department of Veterans Affairs (VA) offers financing on primary residences for Veterans. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice. It is generally easier to qualify for a VA loan than conventional loans.

  • Must be a Veteran, Active Duty Military, or member of the Reserves.
  • Up to 100% Financing – No Down Payment
  • Closing Costs May Be a Gift
  • Available for Purchase and Refinance Transactions
  • No Monthly Mortgage Insurance


The US Department of Agriculture USDA provides low down payment options to qualified borrowers, at very low interest rates, and with very low mortgage insurance premiums. If you are buying a home in an Rural Development -eligible area, and meet the program requirements, this loan is perfect for you.

  • 100% Financing Available
  • 10, 15, 20 and 30 year terms
  • For Primary Residence
  • House must be in a Rural Development-eligible area.

Jumbo Loan

Jumbo Loans exceed the maximum loan amounts established by conventional loan limits, currently $510,400. A Jumbo Loan is right for you if you are looking to buy a high priced or luxury home.

  • Convenience of One Loan versus having Multiple Mortgages
  • Fixed and Adjustable Rate Mortgage Options

Reverse Mortgage

A Reverse Mortgage is a loan for those age 62 and older that allows homeowners to convert their home’s equity into cash with no monthly mortgage payments.

*Not available in all states

  • Primary Home
  • No Monthly Mortgage Payments
  • For borrowers 62 years & older
  • Receive Money Monthly
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