Home Loan Products
Conventional
Most Conventional mortgages have either fixed or adjustable interest rates. Typical fixed interest rate loans have a term of 15 or 30 years. A shorter-term loan usually results in a lower interest rate.
- 3% down payment
- Fixed- or adjustable-rate
- HARP loans available
- 2nd home, non-owner occupied investment property financing available
FHA Loans
Easier qualification and low rates with the security of government backing.
- 3.5% down payment
- Fixed- or adjustable-rate
- Lower payment
- Limited closing costs
- Reduced documentation available on certain refinances
- HUD REO property qualifies for $100 down and max repairs of up to $10,000
VA Loan
Come home to security when you get a loan with us.
- Available to Veterans, Reservists, Active Duty Personnel, and surviving spouses of Veterans; based on military entitlement
- No down payment required
- Reduced interest rates
- 30- and 15-year fixed loans
- No monthly mortgage insurance premium
- Limited closing costs
- No prepayment penalty
USDA
No money down USDA rural development loans to help you.
- No down payment required
- Easy qualification
- Not limited to first-time homebuyers
- Available in certain geographic areas
- Available for purchase or refinance