Buyer resOur loan programs
Mortgage Solutions for Every Stage of Life.
Whether you're buying your first home, upgrading, refinancing, or investing, our experienced loan officers will help you find the mortgage solution that fits your goals.
Core loan programs
Conventional & Government Loans
Conventional
Conventional Loan
Flexible financing for today's homebuyers.
Conventional loans are one of the most popular mortgage options for buyers with established credit and stable income. They offer flexible terms, competitive financing options, and can be used for primary residences, second homes, and investment properties.
Best for:
Buyers with strong credit • Documentable income • Down payment of at least 3%
FHA
FHA Loan
Homeownership with as little as 3.5% down.
Government-backed mortgages designed to make homeownership more accessible. They often allow lower credit scores, smaller down payments, and higher debt-to-income levels.
Best for:
Borrowers with lower credit scores • Buyers with limited down payment funds • More forgivable guidelines
VA
VA Loan
100% financing — a well-earned benefit for those who served.
VA loans offer eligible veterans, active-duty service members, and certain surviving spouses the opportunity to purchase a home with no down payment and no monthly mortgage insurance. Our team has extensive experience helping military families navigate the VA loan process.
Best for:
Eligible veterans • Active-duty military members • Qualified surviving spouses
VA loan eligibility is defined by VA.gov. Please consult a loan officer for specific eligibility requirements.
USDA
USDA Loan
Zero-down financing in eligible areas.
USDA loans help qualified borrowers purchase homes in eligible rural and suburban areas with no down payment requirement. Eligibility guidelines apply — many suburban areas qualify.
Best for:
Rural homebuyers • Eligible suburban buyers • Borrowers seeking zero-down financing
Jumbo
Jumbo Loan
Financing for higher-value properties.
Jumbo loans provide financing for homes that exceed conventional loan limits. They offer flexible options for qualified borrowers purchasing luxury homes, vacation properties, or homes in high-cost markets.
Best for:
Higher-value home purchases • Borrowers with strong income and assets • Financing above conventional loan limits
Refinance
Refinance
Explore opportunities to improve your mortgage strategy.
Refinancing may help reduce monthly payments, shorten your loan term, consolidate debt, or access home equity. Our team will review your goals and help determine whether refinancing makes financial sense for your situation.
Best for:
Homeowners seeking payment improvements • Borrowers wanting to access equity • Homeowners reviewing mortgage options
Expanded programs
Non-QM & Specialty Loans
Not every qualified borrower fits inside traditional mortgage guidelines.
We offer expanded solutions for a wide range of financial situations.
Non-QM
Non-QM Loans
Mortgage solutions for unique financial situations.
Not every qualified borrower fits inside traditional mortgage guidelines. Non-QM loans provide financing options for self-employed borrowers, real estate investors, and individuals with non-traditional income sources.
Best for:
Self-employed borrowers • Real estate investors • Borrowers with non-traditional income
Bank Statement Loans
Qualify using personal or business bank statements rather than traditional tax return income calculations.
DSCR Investor Loans
Qualify based primarily on the property's rental income rather than personal income documentation.
Asset Qualifier Loans
Use liquid assets and investment accounts to help demonstrate repayment ability.
Portfolio & Specialty
Portfolio & Specialty Products
Helping more people get into homes.
We offer a variety of low down payment, grant, and affordable financing programs designed to help qualified buyers achieve homeownership with confidence. Includes no mortgage insurance product options.
Best for:
First-time buyers • Buyers with limited savings • Borrowers seeking down payment assistance • Borrowers who qualify for specialty financing
Home Equity
Home Equity Solutions
Put your home's equity to work.
Whether you're planning renovations, consolidating debt, covering education expenses, or preparing for a major life event, a Home Equity Loan or HELOC may provide flexible access to the equity you've built.
Best for:
Homeowners with available equity • Home improvement projects • Debt consolidation • Education and major expenses
Not Sure Which Loan Fits You?
Talk with an experienced loan officer and get personalized guidance with no pressure or obligation.