Loans

We enjoy helping you with the home-buying process. Buying a home is often the biggest financial decision you'll ever make. We're here to help you navigate the process, and we take that responsibility seriously. We are happy to answer any mortgage-related questions you may have. We'll guide you through the pre-approval process before you go out hunting for your dream home, that way, when you find it, you can feel confident you're able to purchase it.

This type of loan is what most borrowers consider a conventional mortgage. The rate we lock in for you is the rate you pay for the life of the mortgage. You can make additional payments along the way and pay it off as soon as you want, or you can make your regular monthly payments for the 30-year term - it's up to you - but the rate won't change.

Are you a first-time homebuyer or simply wanting to purchase your new home with little money down? If so, an FHA mortgage could be the right loan for you. It is one of the most flexible loan in terms of qualification guidelines, including credit ratings and debt to income ratios.

Or maybe you're looking to refinance your home to change your payment and/or interest rate or as a way to consolidate your debt, an FHA loan could be the right fit for you too.

Have you served in the military? If so, you may be able to obtain a certificate of eligibility and qualify for VA financing. VA loans offer 100% financing and allow for consideration of short and/or less than ideal employment histories due to military service.

Are you purchasing in a rural area? If so, a USDA loan might be right for you. USDA loans can enable purchases with no money down, while still offering competitive rates. Oftentimes, you can even roll your closing costs into the loan if the home appraisal is high enough to support the total amount.