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Available Mortgages


  • 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


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


  • 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


  • 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.