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Loan Products

Fixed Rate

Fixed Rate Mortgages give the buyer stability. The loan amount will not change over the life of the loan, so it is easy to budget. If you plan to stay in your home for many years, or prefer the peace of mind of a consistent mortgage payment then the fixed rate loan will be right for you.

Adjustable Rate

With an adjustable-rate mortgage the interest rate stays constant for a term, then adjusts according to market conditions. If you plan on staying in your home short-term, or plan to refinance after the introductory an ARM may be the right option for you.


A conventional loan is a great option for buyers with good to excellent credit, reasonable monthly debt obligations and reliable monthly income. Conventional mortgages require a 5%-20% down payment of the purchase price. There are typically less hurdles than with government-backed programs so they can close quickly. Conventional loans typically have better terms, and lower interest rates and fees. There is no requirement for mortgage insurance, as long as the loan-to-value ratio is 80% or less.


An FHA loan is a mortgage insured by the Federal Housing Administration. These loans require smaller down payments, typically 3.5%, and buyers with lower credit scores can still qualify. These loans are great for first-time homebuyers as the down payment can include gifted funds. FHA loans require the borrower to pay for mortgage insurance, which protects the lender from a loss if the borrower defaults on the loan.


A VA loan is a mortgage specifically for active duty US military service members, eligible American veterans and reserve members, as well as their surviving spouses. The VA program was implemented to allow service members to acquire adequate housing. These loans don’t require a down payment or mortgage insurance, and offer the ability to fund the financing fee. To qualify for this type of loan, a service member must provide a COE (Certificate of Eligibility).


Refinancing your mortgage allows you to pay off your existing mortgage and replace it with a new loan with lower interest rates, monthly payments, or term period. There are many options available depending on your individual goals. We can help you determine what the best options are for you financially.


With home prices increasing, this is a great option to take advantage of the equity you have built in your home. Whether you need to remodel or update your home, or pay off debts, this is a great way to take advantage of low interest rates, and get extra cash.

Check Out Our Mortgage Tools

Calculate how much your fixed rate mortgage payment will be and more.