No matter what your goals are, we’ll help you find the home loan solution that best fits your needs. Here’s a breakdown of our loan options:

 Conventional Loans  

Buying a new home or want to refinance your current one? We have several options with our conventional mortgage products. This loan has a fixed rate product, terms up to 30 years and as little as 10% down payment on a purchase.

VA Loans

An exclusive, well-earned benefit, the VA loan has no monthly mortgage insurance, minimal down payment and an interest rate fixed up to 30 years.

 FHA Loans

With easier qualifications of a lower minimum FICO score required, you can buy a home with as little as 3.5% down. Need extra cash? Refinance your current home for up to 85% of the equity.

 USDA (Rural Development)

Buy a home with a minimal down payment in a qualifying rural area and save on monthly mortgage insurance.

Construction Loans

Want to build a new house or add something new and fun to your current home? This product is for you. This loan is a short-term line of credit designed to keep interest costs down while the project is completed. Interest accrues only on the funds you advance.

 Home Equity Lines of Credit

Need to send your child to college, buy something new or put in a pool? Use the equity in your home to do these things and much more. This product is a revolving line with interest-only payments for the first 5 years.

 3×1/5×1 Adjustable Rate Loans

These products have fixed rates for 3 or 5 years adjusting annually thereafter. These loans are good if you do not qualify for any of our fixed rate programs or are relocating with your job and know that you will only be at your home for a short period of time.

 Do’s of Buying a Home

  • Do pay all your credit cards and any other debt on time before you even start considering a mortgage.
  • Do keep a positive balance in all of your checking and savings accounts with sufficient funds to close a loan.
  • Do keep your money right where it is. Changing banks or moving money will require explanation, which will just be more paperwork for you and your lender.
  • Do provide any documentation your loan originator asks for in a timely manner. It may seem like you are handing over quite a bit of information, keep in mind that you are asking the lender to trust you with hundreds of thousands of dollars.
  • Do factor in your lifestyle. A lender will give you a range that includes the top end of how much home you can afford. That number is based on your current expenses, not the future, to find the best financing solutions.

Don’ts of Buying a Home

  • Don’t buy a vehicle. Even if you are paying cash.
  • Don’t quit your job.
  • Don’t take on any new debt.
  • Don’t make out-of-the-ordinary large deposits. If you must, be prepared to provide a clear paper trail detailing where the money came from and why.
  • Don’t buy big-ticket items on your credit cards.
  • Don’t omit or exaggerate information on your application!
  • Don’t make sudden changes in your spending habits.