Loan Products

Agency Adjustable & Fixed Rate Mortgages

An adjustable-rate mortgage (ARM) is a loan with an interest rate that changes. ARM's may start with lower monthly payments than fixed-rate mortgages, and are perfect for those who don't expect to stay in particular house longer than the first adjustment period.
fixed-rate mortgage is a fully amortizing mortgage loan where the interest rate on the note remains the same through the term of the loan.

FHA, FHA 203(k) and FHA 203(k) Streamline

An FHA insured loan is a US Federal Housing Administration mortgage insurance backed mortgage loan. These are perfect for many first time home buyers.

HARP Refinance

The Home Affordable Refinance Program was created by the Federal Housing Finance Agency specifically to help homeowners who are current on their mortgage payments, but have little to no equity in their homes, refinance their mortgage, that is, they owe as much or more than their homes are currently worth, are eligible for a HARP refinance.

Reverse Mortgage

reverse mortgage is a loan for seniors age 62 and older. HECM reverse mortgage loans are insured by the Federal Housing Administration (FHA) and allow homeowners to convert their home equity into cash with no monthly mortgage payments.

USDA Rural Home Loans

USDA loans are zero-down-payment mortgages for rural and suburban home buyers.

VA and VA IRRRL Home Loans

VA loan is a mortgage loan guaranteed by the United States Department of Veterans Affairs (VA). The program is for American veterans, military members currently serving in the U.S. military, reservists and select surviving spouses (provided they do not remarry) and can be used to purchase single-family homes, condominiums, multi-unit properties, manufactured homes as well as new construction.

Niche Products

Our niche products include but are not limited to: 1% down payment with equity boost, HomeReady 3% down payment loans, HomePossible 3% down payment loans. Ask us about more of our great niche products!

Jumbo Loans

A jumbo mortgage is a plus-size home loan weighing in at a dollar amount above what are called the conforming loan limits.

Non-QM Products

Non-qualified mortgages are mostly made up of interest only loan products but are quickly expanding to include more non-traditional loan products.

State Bond Programs

We work with our community to help offer our customers state bond programs as well community aided down payment assistance to qualified applicants.