Mortgage Services

Conventional | ARM | FHA | VA | First Time Home Buyers | 100% Loans

Choose from conventional fixed rate mortgages, variable rate mortgages, VA and FHA loans and more. Let us help you explore the options.

Conventional Mortgages

Conventional fixed rate mortgages offer locked-in security with terms predetermined by you. You'll know exactly what to expect every month, and your interest rate won't change as market interest rates fluctuate. This type of loan is for you if you like to budget a fixed amount into your monthly expenses. Conventional loans are available for both the purchase of a home and refinancing of a home.

Adjustable Rate Mortgages

An adjustable rate mortgage, or ARM, offers a fixed rate of interest for a specified period of time, often 3, 5, or 7 years, so homeowners can plan on a consistent monthly payment for that time. After the initial period, the interest rate, payment amount and terms can change. Usually there are caps on the rate to protect the borrower from excessive changes in the rate. The initial rate and payment on an ARM are usually lower than a long term fixed rate loan.

FHA Mortgage loans

FHA mortgage loans are fixed rate mortgages that are administered by the Federal Housing Authority. Let us help you determine if you qualify for these loans that typically require lower down payments, feature easier qualification, and offer other advantages.

VA Loans

VA loans are guaranteed by the United States Department of Veterans' Affairs and are offered to veterans and active duty military persons. VA loans generally feature no down payments, financing up to 100% of purchase price.

First Time Home Buyers

If you think you'll never be able to afford a home, think again. We want to help our neighbors become homeowners. We'll work with you to help make that happen with a variety of programs to choose from. Stop paying your hard earned money to someone else for rent and purchase your own home with our help.

100% Loan Programs

We may be able to arrange financing up to 100%, helping you to own your own home without a down payment. Our 100% loans require minimal funds from you for closing costs.