Learn more.
We work hard to make sure you have the right home loan for your needs, and to make the process easy. Our loan officers will answer all of your questions, from the types of loans available, to what you'll need to apply. Contact us today to get the process started. In the meantime, we've gathered information to answer common questions.
Mortgage loan types.
A Federal Housing Authority (FHA) loan is a great option for first-time or low-credit score homebuyers . Down payments are as low as 3.5%, and loans are typically easier to qualify for than conventional mortgages.
US Department of Agriculture (USDA) loans offer up to 100% financing with no down payment and flexible credit score guidelines. Low- to middle-income families in some rural and suburban areas may be eligible.
VA loans are guaranteed by the US Department of Veterans Affairs. Active-duty military personnel and veterans are eligible. Get up to 100% financing with no down payment or monthly mortgage insurance.
Conventional mortgage loans are not backed by the federal government, but offer great flexibility. Fixed-rate and adjustable rate mortgages give you a range of options to balance current rates and future plans.
Mortgage refinancing can help you reduce monthly expenses or adjust the term of your loan. Consolidate debt, pay for home improvements or borrow to cover other expenses using the equity in your home.
A Home Equity Line of Credit (HELOC) uses the equity in your home to secure financing to cover expenses or make improvements. Take out the cash you need and then pay back the amount you borrow over time.
FAQs
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Our loan officers work one-one-one with you to understand your needs and find the best options for your situation. It starts by contacting us to give us a few details. We'll follow up with you quickly to get the process moving.
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To start, we'll get your name, address, any co-borrower information, plus basic details about the property and the amount you want to borrow. As the process goes forward, your loan officer will provide a list of other items needed, like proof of income and account balances.
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In most cases, we can have a loan amount and terms approved in just a few days. This locks your rate for 30 to 60 days while you finalize the contract on your new home, and close on your purchase or loan refinancing.
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In most cases, yes. We're experienced in helping individuals work through credit challenges to secure home financing or refinancing. So, let's get started and see what we can do!
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We have a full range of options, from conventional loans to special programs like VA, FHA, and USDA loans. To help you find the right fit, we walk you through the pros and cons of available options, looking at rates and terms that match your short- and long-term goals.
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The expenses you pay beyond the down payment include appraisal and title recording fees, property taxes, insurance, and other items. These costs are typically 2% to 3% of your mortgage amount. Closing costs can paid by the borrower (you), the seller, the lender or by some combination of these three sources.
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If you're looking for personal service and connections to help you get the best loan for your unique situation, give us a call. It's what we stand for, and what we do every day.
Efficient, reliable, helpful, consistent communications, and personal connection. We treat you like you matter, because you do.