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Traditional Mortgages

Home sweet home is only a click away. 

Conventional Loans

Conventional loans are mortgage loans that are not guaranteed or insured by a governmental agency such as the Federal Housing Administration (FHA) or Veterans Administration (VA). They come in both Fixed and Adjustable rates with flexible loan terms.

Key Considerations:

  • A great option if you will be in your home for a while
  • Terms that may let you pay off your mortgage sooner
  • You can choose from a variety of terms



Federal Housing Administration (FHA) Loans: Lower Down Payment Option

A FHA loan is the perfect government-insured loan option if you are looking to refinance or buy a home with a low down payment.

Key Considerations:

  • You want to buy a home with a low down payment
  • You’re a first-time homebuyer
  • You have a qualifying income
  • You want to refinance your 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



Fixed-Rate Mortgages 

A Fixed-Rate mortgage features predictable and steady monthly payments with flexible loan terms.

Key Considerations:

  • You’re planning to be in your home for the next 10 years
  • You’re looking for a mortgage that has a monthly payment that does not change



Adjustable-Rate Mortgages

An Adjustable-Rate Mortgage benefits 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



Veteran Affairs (VA) Loans

A Veteran Affairs loan offers veterans little to no down payment on a home purchase.

Key Considerations:

  • You’re a U.S. Military Veteran
  • You’re currently serving in the military or military reserves
  • You may be eligible if you are a commissioned officer of the Public Health Service



Jumbo (Non-Conforming) Loans

A Jumbo Loan is perfect for those who like to dream big and need mortgage amounts over $647,200.

Key Considerations:

  • You want to borrow more than $647,200
  • Fixed and adjustable-rate loans available 



Home Equity Loans

A Home Equity Loan is when you use your equity in your home as collateral to borrow money. These can be used for: 

  • Education
  • House Projects/Renovation
  • Debt Consolidation
  • Celebratory events, like weddings


Have a question about getting a home loan?

Home Loan Inquiry

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Important Disclosures and Information

  • Veteran Loan: Subject to VA eligibility review. Surviving spouses of veterans may also be eligible
  • Loans subject to credit approval