Fixed rate mortgage amortized over thirty years.  This a conforming loan product, subject to Fannie Mae and Freddie Mac loan limits, property, and borrower guidelines.  Ideal for borrowers who desire the lowest monthly payment, but without the risk of an adjustable rate.

Fixed rate mortgage amortized over fifteen years.  This a conforming loan product, subject to Fannie Mae and Freddie Mac loan limits, property, and borrower guidelines.  Best option for borrowers who can afford higher monthly payments and want to drastically reduce principal.

Fixed rate mortgage amortized over thirty years.  This a conforming loan product, subject to Fannie Mae and Freddie Mac loan limits, property, and borrower guidelines.  Great for first-time home buyers and/or anyone who desires a low down payment.  As the product name suggests, one may borrow up to 97% of the property value.

Fixed-rate mortgage amortized over thirty years.  This is a non-conforming mortgage for loan amounts above $432,500.  To qualify for a jumbo mortgage, the borrower must have a minimum credit score of 720.

Fixed-rate mortgage amortized over thirty years.  This is a non-conforming loan insured by the Federal Housing Administration.  FHA loans allow borrowers who may not qualify for a conventional loan to obtain financing.  Down payment assistance, gifts, and seller concessions minimize or eliminate closing costs.

Please note that FHA loan limits vary depending on state and county.  Please contact us with specific loan limits relevant to your area, or visit https://entp.hud.gov/idapp/html/hicostlook.cfm.

Fixed-rate mortgage amortized over thirty years.  This is a non-conforming loan guaranteed by the U.S. Department of Veterans Affairs.  Designed exclusively for veterans, 0% down payment is required.

Please note that VA limits may exceed $417,000, but a 25% down payment is required.  For more information, please contact us or visit http://www.valoans.com/.

While we offer a construction-to-permanent product, most of our banks prefer to book the construction loan on their books.  When the project is approximately thirty days to completion, we then take this loan and refinance it to a fixed rate.  Possibly the most popular product we offer!

Available on conforming loans only, this option allows qualified borrowers to forgo mortgage insurance on loan amounts exceeding 80% LTV.  Benefits vary from loan to loan, so consult with us and we will determine the best option for each situation.  This option is available on a fifteen or thirty-year amortization schedule.

The products listed above are simply the most requested products we offer; we have many more products at our disposal.  If you would like to explore different mortgage options, contact us and we'll work together to find the best product for your borrower.