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We Will Help You Choose
The Right Loan!

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Fixed Rate Loans

  • 30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.

  • Buy a home with as little as 1% down (primary home).

  • Refinance up to 95% of your primary home's value.

  • Monthly payments remain the same for the entire loan term.



Adjustable Rate Loans

  • 3/1, 5/1, and 7/1 ARM's. Monthly payments based on a 30 year repayment schedule.

  • Lower monthly payment than most of our fixed rate loans.

  • The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.



FHA Loans

  • 3.50% down payment required on purchase.

  • Minimum credit score usually 620.

  • Post-bankruptcy qualifying - 2 years after.

  • Post-foreclosure qualifying - 3 years after.



VA Loans

  • Competitive interest rates that are routinely lower than conventional rates.

  • Sellers can pay up to 6 percent of closing costs and concessions.

  • Higher allowable debt-to-income ratios than for many other loans.

  • 0% down payment required on purchase.



Reverse Mortgage Loans*

  • No monthly mortgage payments - now you can afford to stay in your home (you still pay your taxes and homeowners insurance, and must maintain your home)

  • Tax free monthly income** (use money any way that suits your needs)

  • Line of credit (provides you safety for large unexpected expenses)

  • Not personally liable for loan (your home is the only recourse the lender has)


*Must be 62 to qualify, approval contingent on amount of equity in home and other factors, FHA insured (HECM).

**This is a loan. As always, you must continue to pay your taxes and insurance, and maintain your home. Approval contingent on amount of equity in home and other factors.