Discover the perfect mortgage for your unique needs.
Traditional Mortgages
Unlock Your Home: Traditional Mortgages, Tailored for Your Future
From conventional and VA loans to FHA and jumbo options, we offer a variety of terms and benefits to suit every home buyer. Whether you're planning for long-term residency, seeking low initial payments, or utilizing your home's equity, our flexible solutions ensure a seamless path to homeownership.
Conventional Loans
Ideal For: Homeowners planning long-term residency; those with strong credit and a bigger home buying budget
Key Considerations:
- Terms that may let you pay off your mortgage sooner
- You can choose from a variety of terms
- Not backed by governmental agencies like FHA (Federal Housing Administration) or VA (Veterans Affairs)
Veteran Affairs (VA) Loans
Ideal for: U.S. active military or Veteran and surviving spouses
Key Considerations:
- A Veteran Affairs loan offers veterans little to no down payment on a home purchase
- You may be eligible if you are a commissioned officer of the Public Health Service
Federal Housing Administration (FHA) Loans
Ideal for: First time home-buyers and those looking to buy a home with a lown down payment.
Key Considerations:
- An FHA Loan is Government insured
- You have a qualifying income
- You want to refinance their existing loan at a lower rate
- Sellers can pay closing costs up to an amount equal to 6% of the sales price/value
- You have low or no credit
Jumbo (Non-Conforming) Loans
Ideal For: Home buyers needing mortgage amounts over $766,550.
Key Considerations:
- You want to borrow more than $766,550
- Fixed and adjustable-rate loans available
Fixed-Rate Mortgages
Ideal for: Home-buyers that plan to be in a home for the next 10 or more years.
Key Considerations:
- Mortgage monthly payments do not change
- Features predictable and steady monthly payments with flexible loan terms
Adjustable Rate Mortgages
Ideal for: Those who need initial lower payments and interest rates.
Key Considerations:
- You’re planning to be in your home for a shorter term, 10 years or less
You expect interest rates to remain stable or decline
You want a lower initial monthly payment and don’t mind a variable interest rate
Home Equity Loans
Ideal For: Those needing to use the equity in their home as collateral to borrow money.
These Can Be Used For:
- Education
- House projects/renovation
- Debt consolidation
- Celebratory events, like weddings
See A Mortgage That Fits Your Needs?
Get started on your journey to homeownership by applying today!
