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
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.