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YOUR MORTGAGE SOLUTION BEGINS WITH MORE CHOICES.

Whether you're buying or refinancing, we'll work with you to help you choose the mortgage right for your needs and explain the best options for your budget, lifestyle, and future. Learn more about your mortgage options:

NON-TRADITIONAL MORTGAGES

Our non-traditional mortgages provide a wide range of options, such as bank statement programs for the self-employed, investor solutions using cash-flow qualification, and derogatory housing/credit event solutions. They accommodate first-time homebuyers and seasoned homeowners alike in financing or refinancing a new home, second home, or investment property.

NON-TRADITIONAL JUMBO MORTGAGE

A BANK STATEMENT PROGRAM FOR SELF-EMPLOYED

INVESTOR CASH FLOW MORTGAGE

First Time Home Buyer

LOANS FOR FIRST-TIME HOME BUYERS

Buying your first home? We'll provide the mortgage. You supply the moving truck. Financing your first home is more than just getting a mortgage – it's the fulfillment of your dream, and we are privileged to be part of it. We'll lead you toward a mortgage option that fits your budget, lifestyle, and long-term goals and will always be available to answer questions while guiding you through the process each step of the way.

Popular Loans For First Time Home Buyers Include

FHA LOANS

Low down payment options and flexible guidelines make FHA Loans a great choice for first-time buyers. Plus, you could qualify for a home loan with less-than-perfect credit.

HOME POSSIBLE BY FREDDIE MAC & HOMEREADY BY FANNIE MAE

U.S. DEPARTMENT OF AGRICULTURE (USDA) – RURAL HOUSING SERVICE PRODUCT

FHA Mortgages

FHA LOANS

Moving up to a new home with little money down.FHA mortgages are insured by the Federal Housing Administration, a federal agency within the Department of Housing and Urban Development.

FHA mortgages are government-assisted alternatives to conventional financing and are great options for those who want to put less money down or who have lower credit scores. They are popular for home purchases and for refinancing. While these mortgages do require expenses in the form of monthly mortgage insurance, they still enable many homeowners who don't qualify for conventional financing to purchase or refinance a home.

LOW DOWN PAYMENT OPTIONS

Plus, friends or family can assist with your down payment.

QUALIFY WITH LESS-THAN-PERFECT CREDIT

AFFORDABLE MONTHLY PAYMENTS

FIXED-RATE LOANS

Have a peaceful mind when owning a home with a stable mortgage payment.

GREAT RATES, LOW COSTS

Fixed-rate loans feature affordable, competitive interest rates that keep borrowing costs low.

PREDICTABLE & BUDGET FRIENDLY

STRAIGHTFORWARD

Purchase

FINANCE YOUR NEW HOME PURCHASE

We'll do everything we can to help you buy a home… except pack your boxes! While we can't help you pack, we can help you get a mortgage that fits your budget and goals and closes on time for moving day.

MANY TYPES OF MORTGAGES FOR ALL TYPES OF HOMES - AND HOME BUYERS!

Our wide variety of home loans can accommodate your needs: whether you plan to be in your home for just a short time, are putting down permanent roots, want the lowest possible payment, or want a fixed payment that is set for life.

LOAN OFFICERS WITH YEARS OF EXPERIENCE AND KNOWLEDGE

Loans For Veterans

VA LOANS
We are proud to serve America's Military.VA Loans, also called Department of Veterans Affairs home loans, are available to veterans, active service members, National Guard, reservists, and spouses.

Whether you're starting out with your first home or looking to save money by refinancing your current mortgage, our expert loan officers can help you sort through the process and take advantage of your military benefits.

UNDERSTAND YOUR VA LOAN ENTITLEMENT

All VA Loans are backed by the U.S. Government through a VA Entitlement. This Entitlement makes it easier for you to qualify for a loan because it represents the amount that the government would pay to the lender if you default - it's like government-sponsored loan insurance that you get automatically for dedicating your service to our country. You can use it for refinancing your current mortgage or purchasing a new home.

SAVE MONEY BY REFINANCING INTO A VA LOAN

FINANCE UP TO 100% OF THE HOME VALUE

Adjustable Rate Loans ADJUSTABLE RATE MORTGAGES

ARMs boost your buying power with low rates and flexible terms. The interest rate on an adjustable-rate mortgage (ARM) can change at specified intervals following an initial "fixed" period. For example, a 5/6-month ARM interest rate is fixed for five years and then can adjust at the end of the initial five-year term and every six months after that for the remaining term of the loan. We offer a wide variety of ARMs to fit your unique needs, including 5/6-month, 7/6-month, and 10/6-month ARMs.

Why consider an ARM?

LOWER RATES

ARMs generally have the lowest possible mortgage rate. In fact, 7/6-month ARM rates may have significantly lower rates than a 30-year fixed-rate mortgage. The 7/6-month ARM rate would be fixed for seven years, potentially saving you in interest expense that you could use, for example, to pay off credit card debt or add to your retirement savings.

YOU PLAN TO SELL YOUR HOUSE SOON

If you plan to sell your home before the loan adjusts, you may save money versus a fixed-rate loan. For example, if a job transfer is likely, an ARM would be a better solution than a higher rate, 30-year fixed-rate mortgage. The lower initial rate of an ARM can be a good strategy for mobile professionals, homeowners who plan to upsize or downsize, and anyone who will live in their home for the short term.

YOU WANT "MORE HOUSE"

Refinance

REFINANCING YOUR MORTGAGE

Refinance today for a better financial picture tomorrow. In technical terms, a mortgage refinance represents the restructuring of an existing loan's terms to different parameters. However, in a realistic sense, a mortgage refinance can mean new possibilities and greater flexibility for homeowners who have an existing loan.

By refinancing your mortgage, you may enjoy lower monthly payments, which can free up funds for other investments or purchases. However, finding the best conditions for a mortgage refinance can be tricky, so it helps to partner with a lender that has experience gauging the market and connecting homeowners with more attractive loan terms.

Homeowners most often turn to a mortgage refinance as a way to save money on their monthly payments. This type of financial action can reduce interest rates, thereby successfully scaling back what borrowers pay each month and over the life of the loan.

TRADITIONAL MORTGAGE REFINANCE

Through a traditional mortgage refinance, your interest rates could be lowered, potentially lowering your monthly mortgage payment and saving you money each month. You can also opt to shorten your mortgage term.

CASH-OUT REFINANCE

CHAT WITH A MORTGAGE PRO

Get In Touch

NOT SURE WHERE TO START? We're here to help.

You can always reach out to your Loan Officer with any and all questions! Remember that your Loan Officer will guide you through the whole process, making sure that you are comfortable and in the know throughout every step.