First Time Home Buyer Programs - We offer many special programs that can help make getting a first mortgage easier than ever. We will guide you through the mortgage process, give a free mortgage affordability estimate so you know how much you can afford, and then help you select the mortgage that's right for you.
Fixed Rate Mortgages - These mortgages provide you with the security of stable interest rates and monthly payments that never change. You might choose a fixed rate mortgage if you want the security of knowing that even if interest rates rise, your payments will remain the same.
Adjustable Rate Mortgages - We offer ARMs for both short and long term mortgages. ARMs offer lower initial interest rates than fixed mortgages for a specified time, and then the rates are adjusted periodically to follow the market. These loans may be ideal if you plan to stay in your home for a short time.
FHA and VA Mortgages - The FHA insures mortgage loans to help people buy or refinance their current homes with a low down payment. The FHA insures loans so that if buyers default for some reason, the lenders will get their money. Down payments on FHA loans can be as low as 3% down*. VA mortgage loans are intended to encourage lenders to offer veterans mortgages with more favorable terms. VA mortgages can be used to buy, build, improve, or refinance a home. These mortgages are often made without any down payment at all*, and frequently offer lower interest rates than are ordinarily available with other kinds of mortgages.
No Down Payment Options - We have programs designed to meet the needs of borrowers with good credit and limited savings for a down payment. With our no down payment options, in many cases closing costs can be financed into the loan amount or can be paid from any combination of your own funds, an unsecured loan, gifts, grants, employee assisted housing funds or seller contribution. For down payments less than 20%, Mortgage Insurance (MI) is required and MI charges apply.
Construction Financing Programs - If you are building your home, our Single Close Construction-To-Permanent Loan may be all the financing you'll need. Our single application and approval process obtains both construction and permanent financing with one combined loan and one closing.
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