Our Loan Programs

Conventional loan program that allows for a 0% down payment – no down payment necessary. Incredible program that helps folks with decent credit and income buy a home regardless of how much luck they have had saving up. 

The Interest Rate Reduction Refinance Loan (IRRRL), also known as a “VA Streamline”, is a VA-guaranteed loan that allows veterans to refinance their existing VA home loan to lower their interest rate and monthly mortgage payments. IRRRLs can also be used to refinance adjustable-rate mortgages (ARMs) into fixed-rate mortgages. This program is easier, faster, and cheaper than traditional refinance loans; it requires far less documentation from the borrower and can typically be completed with no appraisal.

The FHA streamline refinance program is a mortgage refinance option for homeowners with FHA loans. It’s designed to be much quicker and much cheaper than traditional refinancing, and requires very litte documentation from the borrower and less underwriting from the lender. This is a rate-drop refinance program. This can typically be completed with no appraisal.

Low monthly payments with 30 years of security, it’s easy to see why this is the most popular product on the market.  Now available with 3% down for qualified buyers.  

Love the idea of owning your home free and clear?  The 15 year fixed makes that dream attainable while offering the lowest rates on the market.  

An efficient and cost effective way to use the equity in your home. HELOCs are a revoling line of credit secured by the equity you have built in your home.

Loans that allow you to buy land and build a home or build a home on land you already own. No need to refinance once the home is built, this is a one time close construction loan!

ARMs can be a great way to create significant interest savings with a fixed rate for a determined period of time. 

Conventional Loans are not part of a specific government program, though they are typically backed by Fannie Mae and Freddie Mac. There are some amazing First Time Homebuyer programs within the Conventional spectrum. These are the most popular and common type of mortgage available. 

For our honorable veterans, qualified service members, and their spouses, VA loans offer up to 100 percent financing for both home purchase and refinance loans.  These loans also have some of the most competitive rates on the market.

Backed by the Federal Housing Administration, these loans give borrowers the potential to get great rates with only 3.5 percent down and lenient qualifying guidelines. 

We have several loan options designed for loans above the conventional loan limit.  Whether it’s putting 10% down for a purchase without paying private mortgage insurance, or simply trying to get the best rate possible for a refinance, we have you covered.

Finding the perfect loan for your manufactured home can sometimes be a challenge. Let us guide you through the process and connect you with a wide range of available options. 

The U.S. Department of Agriculture provides an opportunity to buy a home with no down payment, as well as more lenient income and credit requirements for homes located in approved rural and suburban areas.