Purchase
Refinance

This could be the ideal time for you to consider home ownership. Interest rates are low, and we offer home financing options to suit a variety of budgets.


Explore your purchase options:

  • If you’ve managed your money responsibly, this can pay off big when you buy a home. Higher credit scores qualify for conventional financing with a lower interest rate. Also, if your down payment is at least 20% of your new home’s value, you won’t be required to pay mortgage insurance.

  • If you can’t put a big down payment on a home, don’t give up! Options such as Federal Housing Administration (FHA) loans require as little as 3.5% down. You may qualify even if your credit is less than perfect.

  • An FHA 203k loan also known as a rehabilitation loan, can help you buy the home you really want even if it needs some TLC or repairs. This loan provides additional funds so you can renovate or make smaller improvements such as replacing old carpets and fixtures, or modernizing the electrical or HVAC system. (Terms and conditions apply.)

  • Don’t like surprises? A fixed-rate loan keeps everything simple and predictable, as your interest rate is locked from the start. Your payments will only change if you maintain an escrow account for taxes and homeowner’s insurance, and only if the costs of these change.

  • Veteran Affairs (VA) loans offer qualifying veterans the option to buy without a down payment. Since these loans are government-insured, they offer flexible credit requirements and limited closing fees. Active duty military may also qualify.

  • An adjustable-rate mortgage (ARM) loan starts out with a lower rate than a fixed-rate loan, but their rates are subject to market fluctuations after the initial fixed period. An ARM may be a good choice if you’re planning to sell or refinance before the first adjustment (generally five to 10 years).

Contact us today to speak with a mortgage professional, we can help you find the right product to best fit your needs!