Conventional Mortgage Loans
We offer multiple conventional loan options.  These loans allow a wide variety of down payment scenarios, flexible terms from 10-30 years, and are considered by many to be the standard mortgage choice.  Borrowers are even allowed to utilize gift funds for down payment.  This loan is a great choice in refinance and is used often when homeowners are eliminating Private Mortgage Insurance (PMI) when property values increase.

Federal Housing Administration (FHA) Loans
Many believe this program only applies to first time home buyers and that is not the case.  Anyone seeking the benefits of an FHA Loan should talk to us about their options.  FHA offers more forgiving credit and income guidelines. With down payment requirements as low as 3.5% this loan choice is attractive to many borrowers.

USDA Loans
The USDA program can offer zero down payment loans for low to moderate income borrowers.  Sellers may contribute to closing costs allowing borrowers to move into their new home with less money out of pocket at closing.  While this loan does have geographical restriction, it is a great option when the property location and household income meet the requirements.