Available Mortgages

Conventional

• Available for purchase or refinancing of your home, including cash-out or debt consolidation
  
• Interest rate can be fixed or adjustable
  
• Various loan terms available
  
  

USDA Rural Development

• Primarily used to help first time home buyers purchase new or existing residential property
  
  

FHA

• Ideal for first time home buyer
  
• Low down payment
  
• Low interest rate
  
• Refinance options available
  
  

VA

• Guaranteed by the U.S. Department of Veterans Affairs
  
• Available for active, reservist and veterans of the armed forces
  
• VA determines eligibility and issues a Certificate of Eligibility
  
• Low or no down payment
  
• No monthly mortgage insurance
  
• Can be used for purchases or refinances
  
  

Section 184 Indian Home Loan Guarantee Program

• Designed specifically for American Indian and Alaska Native families, Alaska villages, tribes or tribally designated housing entities
  
• Established in 1992 to facilitate homeownership and increase access to capital in Native American Communities
  
  

Home Renovation Loans

• Loan amount based on home value after improvements are made
  
• Start improvements right after closing

Construction

• Allows interest-only payments to be made on those funds that have been periodically disbursed during the construction progress
  
• Mortgage Loan Originators can give you pre-qualification on permanent financing before construction begins
  
  

Bridge Loan

• Use the equity of your current residence to cover the down payment of your new purchase
  
• Interest only payments
  
• Once home sells, we can refinance that lower loan amount into regular payments
  
  

Home Equity Second Mortgage

• A second mortgage program allows you to use your home equity for home improvements, debt consolidation, etc.
  
• Fixed interest rate
  
• Low closing costs
  
• Keep current mortgage intact

Home Equity Line of Credit