Local Home Lenders Who Care

VA

Our Certified Military Housing Specialists are well versed in military language, rank, and pay system to help you get into the affordable home you want—or to refinance your current home. VA loans are backed by the U.S. government, so there’s no down payment, no private mortgage insurance requirement, and the overall requirements for qualifying are more flexible.

HUD - Section 184

The Section 184 Indian Home Loan Guarantee Program offers loan options for the purchase or refinancing of an existing home where qualifying borrowers pay a 1.5% loan guarantee fee at closing (which may be financed in the mortgage or paid in cash). If leasing tribal land, the borrower works with the tribe and the Bureau of Indian Affairs to obtain an approved 50-year lease.

Rural Development Home Loans

The USDA Rural Development Guaranteed Housing Loan Program (USDA RD) provides fixed-rate, 30-year mortgages that require no down payment and are primarily used to help low-income individuals or households purchase homes in rural areas. Funds can be used to build, repair, renovate, or relocate a home.

USDA RD loans are only available in designated rural areas, and income limits for borrowers vary per area. 

FHA

Federal Housing Administration (FHA) loans are insured by the federal government. They can be used to purchase or refinance a new or existing 1- to 4-unit home, condominium, or a manufactured or mobile home (provided it is on a permanent foundation).

Fixed-Rate

Fixed-rate mortgages are the most common mortgage for first time homebuyers because they're stable. Typically the monthly mortgage payment remains the same for the entire term of the loan, allowing for predictability in your monthly housing costs.

Jumbo

A Jumbo loan is a non-conforming loan, which means the size of the loan—at least $453,100—is larger than standard Fannie Mae and Freddie Mac guidelines. Jumbo loans come in a variety of fixed-rate and adjustable-rate options, and your home loan experts can help you make the best selection.

ARM

An ARM is a mortgage with an interest rate that is linked to an economic index. The interest rate, and your payments, are periodically adjusted up or down as the index changes. This differs from a fixed-rate loan where you "lock in" to a specific interest rate and pays that rate for the life of the loan unless you decide to refinance.

Investment Property

Investors have different goals, and it’s a good idea to talk with your tax advisor about how you plan to use the property. Deciding whether it’s better to buy a second home or an investment property often depends on where the property is located and what you intend to do with it. And once you decide, we can help.