Account Settings

Change Email
Change Password

Our Mortgage Programs

This page is meant to show you all the mortgage programs we have.
We’re here to help you figure out which mortgage best fits your unique financial picture.

FHA Home Loan

FHA loans are the key to homeownership for many borrowers. The lower down payment and credit requirements make this a viable program for first time homebuyers or those looking to refinance.

Minimum Down Payment

Refinance quickly without an appraisal.

Purchase or Refinance

Our FHA team is experienced to get your FHA loan funded quickly.

Flexible or No Credit Scores Allowed

More flexibility with FICO scores.

Grants and Gifts Permitted from Suitable Source

Your friends and family can help finance your dream home.


Remodel your home with a 203(k) loan. Buying a new home and want to purchase new appliances, add new flooring, or update your kitchen? You can finance the purchase and improvements all with the 203(k) loan.

Renovating? Save money!

Combine your renovation loan and your mortgage into a single home loan, which limits your loan closing costs.

Backed by the Federal Housing Administration (FHA)

The 203k loan combines the traditional “home improvement” loan with a standard FHA mortgage, with loan amounts of up to $625,500.

Purchase or Refinancing

The 203k loan is available to both buyers and refinancing households. Allows you to hang on to your savings. Fair interest rates.

Streamline your 203(k)

The Streamlined 203k loan is for less extensive projects and costs are limited to $35,000. Traditional 203k loans do not have a construction loan size limit.


We understand and appreciate what it means to be a Veteran, and we take pride in helping those who have served realize the dream of homeownership. The VA Loan program could be the answer for many veterans, service members, and military families to move into their dream homes.

You Earned This

For veterans and surviving spouses.

No Money Down

Purchase or refinance.

Fast Processing

100% financing

Turnkey Process

Flexible or no credit scores allowed.


Jumbo loans were designed to help high-income individuals afford luxury homes or smaller homes in highly desirable areas. Jumbo loans are those that exceed the standard conforming loan amount of $417,000.

Understanding Complex Financial Pictures

Our staff understands the complexities of incomes and knows how to use financial picture to your advantage.

Purchasing a High-End Home

Jumbo Mortgages range from anywhere between $417,000 to $2 million. Second home or investment property allowed.

Eliminates Having to Obtain Multiple Loans

Provides the convenience of one loan for the entire loan amount, with a variety of options. ARMs allowed.

Tax-Deductible Interest

Jumbo Mortgage rates have reached historic lows, and interest on loans up to $1 million is tax-deductible.


Do you enjoy the view of pastures instead of pavement? The USDA loan may be just for you! This program is designed to boost and stabilize rural communities by providing financing to purchase a home. Like the VA program, a rural development loan allows for more flexible credit terms and offers 100% financing in most cases. The program allows those who qualify to purchase the home of their dreams with minimal out of pocket cost.

Purchase or Refinance

100% financing and no down payment.

No Homeowner Counseling Required

Unlike other mortgage programs, the USDA program doesn’t require a homeowner counseling course to qualify.

First-Time Buyer Friendly

USDA Rural Loans can be used by first-time buyers and repeat home buyers alike.

Insured by the U.S. Department of Agriculture

Via the USDA, you can finance 100% of a home’s purchase price while getting access to better-than-average mortgage rates. No acreage limitations. 3 years post bankruptcy, 4 years post foreclosure.


Have you heard?! Fannie Mae and Freddie Mac have re-established their low down-payment programs, MyCommunity and Home Possible. We’re trained to understand how these programs work and how they can benefit your unique financial picture.

Lower Required Down-Payment

Compared to other conventional mortgage programs, these programs allow qualified homebuyers to put less money down on thier home.

Save Money for Home Expenses

Moving can become an expensive endeavour. With less down, you will be able to spend more of your cash on things your home needs!

Greater Purchasing Power

Since homebuyers are allowed to put less towards their downpayment, they may be able to afford a larger home that they previously didn’t qualify for.

Home-Buyer Counseling Required

At least one of the homebuyers will be required to attend a home-buyer education course.


Conventional loans are ideal for people wanting an excellent rate with no mortgage insurance for borrowers with 20% equity.

Most Common

This is the most utilized mortgage program.

Up to 30 Years

30 year, 25 year, 20 year, 15 and 10 year terms available.

Great Rates

Conventional loans offer low mortgage rates to save you money. Renovation loans allowed. Grants and gifts allowed from suitable source, along with 5% of your own funds.

Fixed & Adjustable Rates

Fixed and ARMs available.


With an Adjustable Rate Mortgage, the interest rate fluctuates according to the interest rates in the economy. Initial interest rates of ARMs are typically offered at a discounted rate that’s lower than the rate for a Fixed Rate Mortgage. Over time, when initial discounts are filtered out, ARM rates will fluctuate as general interest rates go up and down.

Significantly Reduces the Cost of a Mortgage

For a fixed period of time, you save on interest costs and pay more towards your principal.

Lower Rates, Flexible Terms

Lenders give you a discounted rate up front because they know the rate will float with the market later on.

Moving or Refinancing within 3-7 Years

After your initial rate period, your interest rate will be adjusted based on the type of program that you choose.

Expecting Mortgage Rates to Decline

If you expect mortgage rates to decline, ARMs can work towards your advantage.


A fixed-rate mortgage is exactly what it sounds like. It’s a mortgage for which the interest rate is fixed for the life of the loan. Fixed rate mortgages are available in multiple terms. The most common loan terms are 30 year, 20 year, 15 year, and 10 year loans. The monthly payment on a fixed-rate loan is inversely proportional to its term. The more years in a loan, the lower its monthly payment.


Fixed-rate mortgages are safe because you never have to worry about your interest rate possibly going up.


Your mortgage payment is set on Day 1 of your home loan, and never changes until the loan is paid-in-full. Some homeowners may prefer this type of certainty.

Great Rates

As fixed-rate mortgage rates have dropped in recent years, the relative value of an ARM’s low starting mortgage rate has diminished.

Easy To View Rates

See today’s rates and compare your loan pricing. Rates are available online, at no cost, with no obligation, and with no social security number required to get started.


The FHA 580-620 Program was designed to promote homeownership amongst those who are financially stable, but whose credit doesn’t necessarily reflect it. Whether you’re a first time home-buyer or recovering from the recent recession, this program is here to help you take advantage of today’s low rates, even if your credit is “Less Than Perfect”.

Credit Scores Down To 580 Are Accepted

A traditional mortgage genuinely requires a 620 credit score.

No Gift Funds Allowed Or Seller Contributions Allowed

The borrower is required to cover all downpayment and closing cost funds.

Six Months of Reserves Required

The borrower will be required to have 6 months of mortgage payments as assets in order to qualify. Gift funds are not accepted for reserve requirements.

Six Months Seasoning Funds

The borrower must have the required reserve funds and closing costs in their bank account, untouched, for at least 6 months.


Are you buying or selling a home?


When are you planning on buying a new home?

1-3 Mo
3-6 Mo
6+ Mo

Are you pre-approved for a mortgage?

Using Cash

Would you like to schedule a consultation now?


When would you like us to call?

Thanks! We’ll give you a call as soon as possible.


When are you planning on selling your home?

1-3 Mo
3-6 Mo
6+ Mo

Would you like to schedule a consultation or see your home value?

Schedule Consultation
My Home Value