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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.


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A FHA Loan is a great solution for a first-time home-buyer 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!

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.

Most FICO Accepted

More flexibility with FICO scores.

Streamlined Refinance 

Refinance quickly without an appraisal.



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.

No Money Down

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

Fast Processing

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

Turnkey Process

Receive your VA loan quickly and easily today.



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.

Purchasing a High-End Home

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

Eliminates Having to Obtain Multiple Loans

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

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 home ownership 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.

No Homeowner Counseling Required

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

First-Time Buyer Friendly

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

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.



 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 home buyers to put less money down on their home.

Greater Purchasing Power

Since home buyers are allowed to put less towards their down payment, 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 endeavor. 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.

Low Down


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

Moving can become an expensive endeavor. With less down, you will be able to spend more of your cash on things your home needs!

Fixed & Adjustable Rates

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



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.

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.


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.

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.

Fixed Rate Mortgage


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.

Easy Qualifications

No credit score or income requirements.

Get Cash

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

FHA Insured

Loan is insured and regulated by FHA.



The No Fico program was created to help those who haven’t established their credit yet, but have demonstrated that they have what it takes to buy a home.

No Credit Score Required

Create the building blocks towards great credit by making your payments on-time.

On-Time Rent Payments Must Be Documented For 2 Years

Showing an established trend of on-time payments builds a case towards being approved for a mortgage.

First Time Homebuyer Education Course Required

Courses are held by non-profit counselling agencies, as well as offered online, that insure first-time homebuyers are prepared for their first big investment.

Two Months Reserves Required

You will be required to have two months of mortgage payments as assets in order to qualify. Gift funds are not accepted for reserve requirements either.

No Fico


A One-Time Close Construction Loan is a type of mortgage that is available for those that are building a house. By utilizing a One-Time Construction Loan, you will eliminate paying two sets of closing costs, and will know exactly what you are getting into before construction even starts.

Only One Loan

If you were to get a traditional construction loan, you would have to go through two different closings during the process. This program offers only a one-time close.

Peace of Mind

You will know everything about the loan before you even start building.

Eliminate Closing Costs

Closing costs can add up. They will typically cost anywhere between $3,000 to $6,000 on average. This program offers the chance to save money by only requiring a one-time closing cost payment, rather than two.


Some people get a construction loan and then have to settle for a loan that they are not comfortable with just so that they can pay off the construction loan. But with the One-Time Construction Loan, you know exactly what you’re getting before construction even starts.

On-time close
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