Loan options
Every program explained in plain language: who it's for, how it works, what you need. No advertised rates; your loan officer gives you real numbers in writing.
Purchase
Fixed-rate mortgage
Your interest rate and principal-and-interest payment stay the same for the whole term.
How it worksFHA loan
A government-insured loan with flexible credit and down payment guidelines. The most common first home loan in our markets.
How it worksVA loan
A benefit earned through military service: flexible guidelines, no monthly mortgage insurance, and often no down payment requirement.
How it worksRenovation loan
Finance the purchase (or refinance) and the repairs in one loan: FHA 203(k), Fannie Mae HomeStyle, and Freddie Mac CHOICERenovation.
How it worksUSDA rural loan
A government-backed loan for homes in eligible rural and suburban areas, with no down payment required for qualifying borrowers.
How it worksJumbo loan
Financing above the conforming loan limit, with the flexibility larger purchases need.
How it worksFirst-time home buyer
The programs, grants, and education that make a first purchase possible, in one place.
How it worksDown payment assistance
State bond programs and grants that cover part of your down payment or closing costs. We're approved lenders for the programs in our states.
How it worksLow down payment options
Conventional programs like HomeReady and Home Possible, plus FHA, VA, and USDA. A smaller down payment doesn't have to mean a worse loan.
How it worksSeller-paid buydown
The seller contributes funds at closing that lower your payment for the first years of the loan.
How it worksITIN home loan
Home loans for borrowers who file taxes with an Individual Taxpayer Identification Number instead of a Social Security number.
How it worksInvestors
Investment property
Financing for rental and vacation properties, from a single condo to a small portfolio.
How it worksDSCR loan
Qualify on the property's rental income, not your personal income. DSCR stands for debt-service coverage ratio.
How it worksSelf-employed
Bank statement program
Qualify with 12 or 24 months of bank deposits instead of tax returns. Built for business owners whose returns don't tell the whole story.
How it worksMove-up
Bridge loan
Buy your next home before your current one sells, using the equity you already have.
How it worksBuild
Construction loan
Financing to build, with a single closing that converts to your permanent mortgage when the home is done.
How it worksHomeowners
Home equity line of credit
A revolving line against your home's equity that you can draw on as needed.
How it worksReverse mortgage
A loan for homeowners 62 and older that converts home equity into cash without a monthly mortgage payment.
How it worksRefinance
Replace your current mortgage with a new one: to lower the payment, shorten the term, drop mortgage insurance, or change loan type.
How it worksCash-out refinance
Refinance for more than you owe and take the difference in cash for improvements, debt payoff, or other needs.
How it worksVA refinance
Two paths: the streamlined IRRRL to lower your rate with minimal paperwork, or a VA cash-out to access equity.
How it works