Loan Programs

Which Mortgage is Right for You?

There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs.

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Mortgage Rate Options

Fixed Rate

The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.

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Adjustable ARM

Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-i...

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Interest Only

Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specif...

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Graduated Payments

Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years)

Loan Program Options
FHA home loans are mortgages which are insured by the Federal Housing Administration, allowing borrowers to get low mortgage rates with minimal down payment.
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FHA Loans

VA loans are mortgages guaranteed by the Department of Vetrans Affairs. These loans off Military Vetrans exceptional benefits, incuding low interest rates and no down payment.

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VA Loans

USDA - If you're looking to buy a home in a rual or suburban area with no down paynent and minimal investment, you might consider the USDA Rual Development Loan.

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USDA Loans

Jumbo loan is a mortgage used to finance properties that are too expensive for conventional conforming loan. 

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Jumbo Loans
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 HELOCS & PiggyBacks- Call for Details

Conventional loan amounts are now up to $715,000.  We have programs that allow as little as 3% down, with the lowest MI.

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Reverse Mortgage allows you to pay off your exsisting mortgage using the loan proceeds, leaving you free from monthly paynents.

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Chenoa Fund is a National down payment assistance program.  THis program was created to increase  nationwide affordable and sustainable homeownership, with a focus on creditworthly, low and moderate income borrowers.

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