Lending Solutions to Meet Your Specific Needs

A popular loan type, conventional fixed rate loans feature a constant interest rate for the life of the life. Generally speaking, monthly payments remain constant. Traditionally borrowers are expected to provide a 20 percent down payment though this is not necessarily required. Contact us for details on down payment requirements. Available terms generally range from 10 years, 15 years, 30 years and 40 years.

A VA loan is a mortgage program guaranteed by the U.S. Department of Veterans Affairs (VA) designed for active-duty service members, veterans, and eligible surviving spouses. Provided by private lenders, these loans generally require $0 down payment, have no private mortgage insurance (PMI), and offer competitive interest rates.

Construction loans are used to finance the construction of a new structure. Whether you're interested in building a brand new home for you and your family or you're looking to construct a commercial property we can help craft a terrific lending solution. Each loan is as unique as the property you're looking to construct. We look forward to your questions about construction loans. Please call us to find out more.

Home equity loans call for the borrower to acquire a new loan on an already mortgaged property using the equity you've built as collateral. Home equity loans are typically reserved for those looking to pay down medical or consumer debt, start a business or pay tuition. Please contact us directly if you're interested in a home equity loan. Most states restrict the amount of money one can borrow against their home. Interest rates on home equity loans are generally higher than conventional loans.

A jumbo loan is a mortgage that exceeds the Federal Housing Finance Agency's (FHFA) annual conforming loan limits, which for 2026 is generally above $832,750 for a one-unit home, though it is higher in certain high-cost areas. These non-conforming loans are used for high-value properties and typically require higher credit scores (often 700+), larger down payments (10%–20%), and lower debt-to-income

FHA loans are private loans insured by the federal government. These loans are popular with borrowers who don't have enough funds to pay a traditional 20 percent down payment because they only require 3.5 percent down to qualify. Those who choose these loans are required to pay mortgage insurance which slightly increases their monthly payments. Lenders who wish to offer these loans must be approved by the Department of Housing and Urban Development. Please contact us today to find out if a FHA loan is right for you.

Reverse mortgage loans, also known as reverse equity loans, are only available to homeowners 62 years or older. Like its name indicates, this program pays the homeowner either a one-time large payout or monthly installment. Once the loan term expires the house either becomes the property of the lender or the house can be sold to repay the debt. Reverse mortgage loans are great options for seniors looking to increase their monthly incomes. Contact us for more details.

Adjustable rate mortgages are loans where the interest rate is recalculated on a yearly basis depending on market values. As interest rates are adjusted so is the borrower's monthly payment. While interest rates on ARM loans are generally lower than fixed rate loans they can eventually become higher. Various types of ARM loans include Hybrid ARMs such as 10/1 year, 7/1 year, 5/1 year and 3/1 year programs. Contact us for more information on adjustable rate mortgage loans.

Are you looking to purchase a home in a rural area? USDA home loans could be a perfect fit that offers the benefits of 0% down and low interest rates. Income restrictions may apply. In addition, the US department of agriculture (USDA) requires that the home be structurally sound and in good repair meeting current minimal property requirements set forth in the HUD's housing policy book.