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.


A FHA Loan is a great solution for a first-time homebuyer as well as those who want to make a lower down payment. Additionally, a FHA loan will help our clients with less-than-perfect-credit!

Streamlined Refinance

Refinance quickly without an appraisal.

Most FICO Accepted

More flexibility with FICO scores.

Quick Processing

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

Gift Funds Allowed

Your friends and family can help finance your dream home.


Planning to buy a fixer-upper? This program combines your construction loan and your mortgage into a single home loan, which saves money in closing costs and simplifies the home renovation process.

Renovating? Save money!

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

Buying or Refinancing

The 203k loan is available to both buyers and refinancing households.

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.*

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.


For the men and women that served us, we serve you by offering one of our best products.

You Earned This

For the men and women that served us, we serve you by offering our best product.

Fast Processing

Let our VA team guide you through a fast and easy process.

No Money Down

Purchase or refinance at 100% of the home’s value.*

Turnkey Process

Receive your VA loan quickly and easily today.

*Qualifying factors may apply


A Jumbo Mortgage is designed to allow consumers who are purchasing bigger homes to take advantage of today’s low rates. If you are able to afford a more expensive home but haven’t saved up enough money to bring the loan down to conforming limits, or you’ve found the perfect home but it happens to be in a higher priced neighborhood, this mortgage program is made for you!

Understanding Complex Financial Pictures

Our highly trained staff understands the complexities of multi-stream incomes and knows how to use your financial picture to your advantage.

Eliminates Having to Obtain Multiple Loans

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

Purchasing a High-End Home

Jumbo Mortgages range from $417,000 to $2 million.

Tax-Deductible Interest

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


The USDA Mortgage is meant to spur homeownership in pre-designated rural and underdeveloped areas. Take advantage of a 0% down-payment with this program!

0% Down Payment

That’s right! This program offers 100% financing for qualifying members.*

First-Time Buyer Friendly

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

No Homeowner Counseling Required

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

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.

*Qualifying factors may apply


Owe more on your home than it’s worth? No problem! Welcome to the simple solution.

Many Qualify

Over 2.5 million have taken advantage.

Recent Changes

It’s now easier to qualify than ever before.

High LTV’s Ok

Even if you are underwater on your loan.

HARP Experts

We have an expert in-house to help you.


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.

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.

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!

Home-Buyer Counseling Required

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


Take advantage of low rates with a conventional purchase.

Most Common

This is the most utilized mortgage program.

Great Rates

Conventional loans offer low mortgage rates to save you money.

Up to 30 Years

30, 20, 15 and 10 year mortgages available.

Fixed & Adjustable Rates

Choose between fixed options and adjustable options.


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.

Plan 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.


Eliminate Mortgage Payments Forever. Live comfortably in your retirement. If you are over 62 years old, there are multiple ways to get your money from a Reverse.

No Payments

With a reverse mortgage no payment is made.

FHA Insured

Loan is insured and regulated by FHA.

Easy Qualifications

No credit score or income requirements.

Get Cash

Get the extra cash you need with a government insured reverse mortgage.


*Borrowers will still be responsible for tax, insurance, and maintenance of the property. Must be primary residence. All borrowers must be 62 or older. 


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.
Please visit our Disclosures page for more details for all loan types.