There are many different types of mortgages. Our goal is for you to end up with the mortgage that works best for you. Talk to one of our lenders – just as soon as you are ready.
|Fixed-Rate Conventional||With many options and competitive interest rates, a conventional home mortgage loan could be just what you need. Whether you are making a purchase, constructing a new home, refinancing your current home, or purchasing an investment property, you can choose a competitive fixed rate or interest-only loan.|
|Construction / Permanent||Perfect for owner-financed construction of a new home.|
|First-Time Homebuyers||Our VHDA first-time homebuyer loans can make home ownership easier. Featuring a no down payment option, a VHDA First-Time Homebuyer loan puts your “American dream” right around the corner. Some limitations apply.|
|VA Loans||VA loans with low fixed or adjustable interest rates are available to veterans and active-duty members of the U.S. Armed Forces.|
|FHA Loans||FHA loans require a minimal down payment and offer more flexible qualifying guidelines. They can be used for a purchase or to refinance an existing home.|
|USDA Rural Housing Loans||USDA loans require no down payment for homes in a qualifying location and are ideal for first-time homebuyers. Some limitations apply.|
|Adjustable Rate Mortgage||Offered on both conforming and non-conforming properties, an Adjustable Rate Mortgage (or ARM) generally has a lower initial start rate. The rate can increase when the cap period has expired. ARMs are usually done in 3/1, 5/1, 7/1 or 10/1 adjustment periods. The ARM rate is usually tied to the Treasury or LIBOR indexes.|
|Specialized Loan Programs||These loans are tailored to meet specific needs, such as in cases where a larger loan amount is needed (Jumbo loans).|
Property insurance, flood insurance, and/or private mortgage insurance may be required, as applicable. All loans are subject to credit approval, verifications, and collateral evaluation.