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 purchase 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
Recreational Land Loan
Offers opportunities for family getaways, hunting, a place where your children can explore nature or simply a place to relax and unwind
Available for recreational (not income producing) land purchase or refinance
Adjustable interest rates
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
With a Home Equity Line of Credit you can tap into the equity of your home by using it as collateral. Whether you are looking to pay off high-interest debt, renovate your home or pay for college, a HELOC is there when you need it.