Mortgage Loan and Financing

Understanding Your Loan Options

FHA Loans, USDA and VA Mortgages

These loan options allow you to put little or no money into a down payment, making home ownership a reality for those who might otherwise be left out.

Fixed-Rate Home Loans

Provide the security of knowing that your principal and interest payments will remain consistent throughout the life of your loan.

Adjustable Rate Mortgages

Optimal for home-buyers who plan on owning their homes for a few years. An “ARM”, or “Adjustable Rate Mortgage” has a fluctuating interest rate and the potential for changing payment amounts. In most ARM mortgages, the interest rate on a loan is fixed for a certain number of years and then allowed to fluctuate in sync with current economic factors.

Home Equity Loans

Home equity loans are second mortgages. They are most often used for home improvements or to consolidate credit card and other high interest rate debt.

We also offer a variety of loan programs for first-time buyers, including down payment gifts and loans for borrowers with less-than-perfect credit. In addition, we’ll help determine what meets your financial goals and what you are pre-qualified to borrow as a first-time homebuyer.