Loan Programs
Find the Right Loan for You
From conventional to construction, we offer a full suite of mortgage products designed to fit your unique situation. Explore our programs below or call us to discuss your options.
Conventional Loans
The standard in home financing
Conventional loans offer flexible terms and competitive rates for borrowers with solid credit. With as little as 3% down, they're a great fit for first-time and experienced buyers alike.
- Fixed and adjustable rate options
- Terms from 10 to 30 years
- Loan amounts up to $766,550
- No upfront mortgage insurance
- Primary, secondary, and investment properties
FHA Loans
Accessible financing for all
FHA loans are designed to make homeownership possible for buyers with less-than-perfect credit or limited savings. Backed by the Federal Housing Administration.
- Lower credit score requirements
- Government-backed security
- Gift funds allowed for down payment
- Streamline refinance available
- Ideal for first-time homebuyers
VA Loans
Honoring those who served
VA loans reward military service with exceptional financing terms. Zero down, no PMI, and rates that are consistently among the lowest in the market.
- No down payment required
- No private mortgage insurance
- Competitive interest rates
- Relaxed credit requirements
- For veterans, active duty, and surviving spouses
USDA Loans
Rural and suburban homeownership
USDA loans offer 100% financing for eligible properties in rural and suburban areas. A great path to homeownership without needing a large savings.
- No down payment required
- Below-market interest rates
- Flexible credit guidelines
- Eligible rural and suburban areas
- Income-based qualification
Jumbo Loans
Financing for high-value homes
When your dream home exceeds conventional loan limits, our Jumbo program delivers competitive rates and flexible terms for high-value properties.
- Loan amounts up to $3 million
- Fixed and adjustable rate options
- Interest-only payment available
- Primary and secondary residences
- Flexible asset documentation
Construction Loans
Build from the ground up
Build your dream home with a single loan that covers the land, construction, and permanent financing. We manage the draws so you can focus on the build.
- Single-close construction-to-perm
- Interest-only during build phase
- Draw schedule management
- VA and FHA construction available
- Land and build bundled together
Manufactured Homes
Affordable modern living
We offer financing for manufactured and modular homes through multiple programs. If it's on a permanent foundation, we can likely help.
- FHA, VA, USDA, and Conventional
- Single-wide and double-wide eligible
- Permanent foundation required
- Competitive rates and terms
- Title must be decommissioned
Rehab Loans
Buy it and fix it — one loan
Rehab loans let you purchase and renovate a property with a single mortgage. Perfect for fixer-uppers and investment properties that need work.
- FHA 203(k) Standard and Limited
- Fannie Mae HomeStyle
- Finance purchase + renovation
- Contractor coordination included
- Up to 6 months of mortgage reserves
Not sure which program is right for you?
Our loan officers will analyze your situation and recommend the best option. No obligation, no cost.