Selection of Loans Include:
We offer competitive rates, free pre-qualification approvals, and face-to-face, local service to save you time and money. Our real estate team has earned a reputation of being efficient and trustworthy.
Conventional loans are those that are not associated with government programs, such as the Federal Housing Administration (FHA), but they offer great rates and friendly terms. More substantial down payments and solid credit are required. In some cases, you’ll need private mortgage insurance, which adds to the overall payments. However, the insurance can eventually be removed as you reach an 80% loan-to-value.
When rates are low, lock them in with a fixed-rate mortgage. Your payments stay the same for the loan’s entire term. This is a popular choice because of its predictability and consistency.
Home Equity Line of Credit
Offers great low rates and allows you to borrow what you need, when you need it, similar to a credit card. Variable interest rate that adjusts with Prime Rate. Ideal for home renovations, education expenses, supporting family, and emergency expenses.
Home Equity Loan
Receive funds in a lump sum with a fixed rate, and fixed monthly payments, utilizing the equity in your home. This loan is ideal for home renovations, car purchases, debt consolidation, or any other one-time purchase.
Helping build dreams from the ground up. Construction loans are short-term, interim loans used for new home construction. The lender pays the contractor – not the borrower – in installments as building milestones are achieved.
Government Loan Programs
There are several government-backed loan programs for borrowers. Talk to a mortgage officer to see if one of these is right for you.
- USDA/ Rural Development
- 97% LTV Options
Adjustable-Rate Mortgages (ARM)
ARMs have a fixed period of time during which the initial interest rate remains constant, after which, the interest rate adjusts at a pre-arranged frequency. After the initial term, the loan resets, meaning there is a new interest rate based on current market rates.
- Lower Initial Interest Rates
- Adjustable Term Options Available
Used for the acquisition and renovation of a 1-4 family, owner-occupied property. This is a one-time closing loan that does not require refinancing after the property is complete. Our rehabilitation loan is an in-house loan without excessive terms and conditions.
Yep, you’ll need paperwork.
Don’t worry, view our checklist to see what’s needed.
Get a customized quote based on your loan details.
Contact a Mortgage Officer.
Start the pre-approval process online.
Home Loan Resources
Use our mortgage calculators, term glossary, learn about the closing process, and more!
Make home improvements or eliminate payments on your credit card.