Homeowners First

Loan Programs To Fit Your Homeownership Goals

Fixed Rate Mortgage

Fixed Rate Mortgage

Consistent rate. Predictable payments.

Fixed Rate Mortgages provide long-term stability with a consistent interest rate and predictable monthly payments, ideal for homeowners who plan to stay in their home for many years.

Home Equity Line of Credit (HELOC)

Home Equity Line of Credit (HELOC)

Access equity. Revolving credit.

A HELOC gives homeowners access to revolving credit based on their home's equity, offering flexible funds for major expenses or projects.

Investment Property Loan

Investment Property Loan

Rental purchase. Refinance options.

Designed for purchasing or refinancing rental homes, offering financing options that support income-generating real estate investments.

Second Home Loan

Second Home Loan

Vacation home. Flexible options.

Financing for vacation homes or seasonal getaways, with flexible options to fit different budgets and lifestyles.

USDA Loan

USDA Loan

Zero down. Rural homes.

Zero down payment options for eligible rural and suburban buyers, helping more households achieve homeownership with affordable financing.

Reverse Mortgage

Reverse Mortgage

Convert equity. No payments.

Allows homeowners age 62 and older to convert home equity into cash, providing financial flexibility without monthly mortgage payments.

VA Loan

VA Loan

Veteran benefit. No down payment.

Exclusive to veterans and active-duty military members, offering no down payment, flexible qualifications, and additional savings compared to traditional loan programs.

FHA Loan

FHA Loan

Low down payment. Easier approval.

Government-backed programs that allow for lower down payments and easier qualifications, making homeownership accessible to first-time buyers and those with limited savings.

Jumbo Loans

Jumbo Loans

Large loans. Higher limits.

Designed for higher-priced homes that exceed conventional limits, providing flexible financing for buyers in more expensive markets.

Conventional Loans

Conventional Loans

Popular option. Flexible terms.

Follow standard lending guidelines and offer flexible terms, a popular option for qualified borrowers seeking competitive rates and customizable financing.

Adjustable Rate Mortgage

Adjustable Rate Mortgage

Flexible rates. Potential savings.

Lower initial interest rates that adjust over time, a smart choice for buyers who expect to move or refinance within a few years.

Get Started

If you're looking for a trusted guide to walk with you through the process, we're here to help every step of the way!