Type Of Loans

Mortgage Products to Suit Every Need...

• Conventional Conforming Loans

Ideal when you desire a home mortgage loan within the conforming loan limit. These mortgages must conform to Freddie Mac or Fannie Mae guidelines.

• FHA

The Federal Housing Administration insures these loans to enable home buyers to purchase with a minimum down payment.

• VA

Financing is accessible to entitled veterans and is guaranteed by the Veterans' Administration.

• Conventional Jumbo Loans

  When you need a home mortgage in excess of the conforming limit. These mortgages must conform to Freddie Mac or Fannie Mae guidelines.

• Lot Loans

  A lot mortgage is ideal if you're looking to purchase an individual residential lot on which to build a home.

• Construction Loans

  Consider a construction mortgage when you need short-term financing to construct a new home or remodel your existing home.

• Construction/Permanent Loans

Secure new home construction financing that converts to a permanent loan at the completion of construction.

• Investment Loans

This loan is for purchasing property solely as an investment with the intent of generating rental income, tax benefits and profitable resale.

• Rural Home Loans

  A loan that provides 100% financing in designated areas of development for rural properties.

Loan Terms - 10, 15, 20, 25, 30 years

• Various Fixed-Rate-and-Term Loans

  Spread your payments out or select a shorter term. It's up to you. The fixed-rate mortgages come in terms to suit your individual needs.

• Buy Downs

  With this financing option, you can pay additional points up front in order to permanently or temporarily lower your mortgage interest rate.

• Adjustable Rate Programs (ARM)

  Adjustable programs offer you a fixed rate for a limited period of time, after which you may be subject to rate adjustments at regular intervals.