The conventional fixed rate loan is for borrowers who may have a higher credit score and money available for a down payment. This is the most common loan out there and can provide a fixed payment for anywhere from 30 to 10 years.

Federal Housing Administration (FHA) loans are part of a government sponsored mortgage program that helps first-time home buyers by requiring a smaller down payment - as low as 3.5% down - and allowing easier credit score requirements. With terms of 30, 20, 15, or 10 years available, an FHA loan may be right for you and is one of the options our loan officers will explore on your behalf.

USDA home loans are loans backed by the U.S. Department of Agriculture as part of the USDA Rural Development Guaranteed Housing Loan program, which is also known as Section 502. USDA loans are available to home buyers with below-average credit scores or better and provide the option for no-money-down. Furthermore, USDA home loans offer reduced mortgage insurance premiums for borrowers and below-market mortgage rates.

Are you a veteran or active-service member? Thank you! We can help you take advantage of your VA benefits and possibly receive 100% financing with little or no out of pocket costs.

An FHA 203 mortgage enables homebuyers and homeowners to finance both the purchase (or refinancing) of a house and the cost of its rehabilitation through a single mortgage, or to finance the rehabilitation of their existing home.