Home Purchases & Refinancing Programs
Conventional Mortgage Loan
Purchases & Refinancing: Best pricing for interest rates on fixed and adjustable loans. Affordable closing costs, competitive rates, and customized payments to fit your needs.
Veterans Affairs (VA) Loan
Purchases: 100% home financing for qualified veterans, no monthly mortgage insurance, loans are assumable.
Refinancing: Regular refinance to 100%, existing not need be VA. Streamline option (IRRRL) with no appraisal or income verification.
Federal Housing Administration (FHA) Loan
Purchases: Home financing with as little as 3.5% down, requires a minimum of a 620 credit score.
Refinancing: Rate/Term refinance up to 97.75%. Streamline refinance option with or without appraisal, no income qualifying.
Rural Development (USDA) Loan
Purchases: 101% financing (with 1% fee) for area population sizes under 35,000, minimal annual fee paid monthly, household income restrictions as per each county.
Refinancing: Streamline refinance option without appraisal.
Home Possible Program
Purchases: 97% financing with reduced monthly mortgage insurance. Down payment can be gifted. County income limits apply.
Fixed or variable interest rate options for mortgages greater than $484,350.
Up to 90% financing available.