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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 and NCHFA first-time homebuyer loans can make home ownership easier, and some feature a no down payment option, putting your “American dream” right around the corner. Limitations and restrictions may 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.  

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