Good standing


Low down payment or less than perfect credit

FHA Loan

Veterans and active military

VA Loan

Rural housing


Fiscally Responsible

The All In One Loan™

High balance


Consistent monthly payments

Fixed-Rate Mortgage Loan

Lower initial payments

Adjustable Rate Mortgage (ARM)

Renovate a Home

Renovation Loan

Non-traditional borrower

Non-QM Home Loans

Whether you are a first time homebuyer, looking to refinance your home, or looking for financial solutions, we offer a wide variety of loans to fit your own unique needs. We offer loan types that have different interest rates, terms, down payments, and more. Here you will learn everything about mortgages from the type of rates you can have, to the type of loans you can choose.

In general, there are two main types of mortgages: Fixed-Rate (FRM) and Adjustable-Rate (ARM) Mortgages.

Definition Benefits Is It Right For You?
A Fixed-Rate Mortgage (FRM) has a fixed interest rate for the entire length of the mortgage term. Fixed-rate mortgages are typically available in both 30 and 15 year terms. The 30-year fixed rate mortgage is the most common type of mortgage people usually apply for.
  • You have a more consistent monthly payment and you don’t have to worry about rising interest rates.
  • The monthly payment stability will make budgeting easier.
  • If rates decrease, you can refinance the mortgage into a lower rate.
  • You plan to live in your house for more than five or ten years.
  • You want relatively consistent monthly mortgage payments.
  • You want to be able to budget effectively for the long term.
An Adjustable Rate Mortgage (ARM) is usually initially fixed for a set period of time, followed by periodic adjustments according to a specific benchmark. There are various factors that determine the interest rate changes including market conditions, financial index and a margin.
  • Typically, you are offered a lower interest rate early in the loan term which equates to lower monthly payments.
  • You can take advantage of falling rates without having to refinance.
  • You may end up with a lower monthly payment if rates drop. Rates may never go below your floor rate as outlined on your Note.
  • You have plans to move within the initial locked-in period.
  • You have a lump sum of money coming your way before it adjusts where you could pay the house off at that time or significantly reduce the principal.
  • You plan on utilizing the payment savings to aggressively pay down principal.

Once you choose the type of rate that is most beneficial for you, you can choose which loan type best suits your needs. Here are some of our most popular loan programs:


A conventional mortgage refers to a loan that is not insured or guaranteed by the federal government. Conventional loans are designed for good-to-great credit and income consumers, who have money saved up for a down payment.

For loans with 20% equity / down payment, there is no mortgage insurance required. For loans with LTV’s higher than 80%, the mortgage insurance premium is cheaper than FHA loans. “Cash-out” loans up to 80% of the home’s value.


FHA mortgages are loans that are insured by the Federal Housing Administration. Popular among first-time homebuyers, FHA loans are designed for low-to-moderate income consumers.

FHA loans typically have a more relaxed credit requirement than conforming loans. Down payment requirement is as little as 3.5%. “Cash-out” loans up to 85% of the home’s value.

VA (Veterans Affairs)

VA loans are guaranteed by the United States Department of Veterans Affairs. They offer long-term financing to eligible American veterans or a surviving spouse of a veteran.

No down payment is required, and up to 100% of the purchase or refinance of a home can be offered.

HARP (Home Affordable Refinance Program)

The HARP program allows people who have loans that have been guaranteed by Fannie Mae or Freddie Mac on or before May 31, 2009, with little or negative equity to refinance and take advantage of the current low interest rates.

Available for homeowners that owe up to 150% or more than their home is worth (LTV ratio). HARP loans are available for primary residences, second homes, and investment properties.

USDA (United States Department of Agriculture)

USDA loans are guaranteed by the United States Department of Agriculture. These loans (also known as Rural Development loans) are designed to help low-to-moderate income consumers purchase homes in rural areas.

USDA loans often don’t require a down payment and provide up to 100% for a home purchase or refinance (rate and term only if existing home is insured by USDA, and no-cash outs).


Loans that exceed the conforming loan limits set by Fannie Mae and Freddie Mac are known as Jumbo loans.

Fixed and adjustable rate terms available. Loans available up to $3 million.

Home improvement loans are used to fund renovations and repairs.

These are first mortgage loans that can be made on a consumer’s primary residence, second home or investment property. LTV is based on the after completion value of the home.

* FHA loans require LTV’s of up to 96.5% and 660 FICO score. Fixed rate loans only. W2 transcript option not permitted. 

** Veterans Affairs loans require a funding fee, which is based on various loan characteristics. Purchases only, must have Automatic Underwriting System (AUS) approval. No cash-out under 660 FICO. Sales price cannot exceed appraised value. In a purchase transaction, reasonable closing costs may be paid by the seller, and the program is available with no points depending on credit profile, collateral, and current mortgage history.

***100% financing, no down payment is required. The loan amount may not exceed 100% of the appraised value, plus the guarantee fee may be included. Loan is limited to the appraised value without the pool, if applicable.