Our Conventional Fixed Rate loan program is designed to offer stability and predictability for your mortgage needs. With competitive rates and flexible terms, this program provides a reliable solution for purchasing a home. The monthly principal and interest payment remain fixed during the entire term. With as little as 3%¹ down, choose from a variety of loan terms ranging from 10 to 30 years to fit your financial goals and budget.

Enjoy the convenience of financing up to 100%¹ of your home’s purchase price, making homeownership more accessible, especially for those with limited savings for a down payment. Eligibility isn’t restricted to first-time homebuyers or millennials; anyone can benefit from this opportunity.

Want to avoid paying PMI but don’t have 20% down? The 80-10-10 structure allows you to finance 80% of the home’s purchase price with a first mortgage, 10% with a second mortgage, and make a 10% down payment, reducing the need for a large up-front payment. By splitting the loan into two parts, you can avoid the requirement for private mortgage insurance (PMI), potentially saving you money on monthly payments.

Whether you’re a newly licensed physician or a seasoned healthcare professional, our Medical Professional home loan program is designed to help you achieve your homeownership goals with ease and confidence. We offer up to 100% financing of your home’s purchase price and no PMI which saves you money on your monthly payments. 

FHA loans are mortgages backed by the Federal Housing Administration (FHA), a government agency within the U.S. Department of Housing and Urban Development (HUD).  These loans are designed to make homeownership more accessible to a larger range of borrowers, particularly those with lower credit scores or smaller down payments.  

Our VA loan program offers exclusive advantages for our military community. It is designed for veterans, active-duty service members, and eligible surviving spouses. VA loans offer the benefit of no down payment and no private mortgage insurance. We are committed to serving those who have served us. 

The USDA mortgage loan program is designed to help individuals and families in rural areas achieve their dreams of homeownership. This program offers 100% financing. USDA loans can be used to purchase properties located in eligible rural areas designed by the U.S. Department of Agriculture.

Our Swing loan program is designed to provide short-term financing solutions for homeowners transitioning between properties. This program covers the gap between the purchase of a new home and the sale of your existing property by using the equity in your home to purchase or construct your new home, providing you with the funds you need to facilitate a smooth transition.

Ready to build the home of your dreams? Our Construction loan program offers the financing solutions you need to bring your vision to life.  With our one-time close, you only pay interest and escrow (if applicable) during the construction period. After your home is completed and all construction funds are disbursed, the loan converts to a permanent loan with regularly scheduled payments of principal, interest, and escrow (if applicable).

Our Jumbo loan program offers financing solutions for properties that exceed the conforming loan limits set by government-sponsored entities, allowing you to secure financing for luxury homes or properties in high-cost areas. A Jumbo loan can be used for the purchase, refinance or construction of a single family, owner occupied home.

Have you found the perfect location in a subdivision³  but not ready to build just yet? With a little as 10% down, our Lot loan program is designed to help you finance the lot purchase for your future home or investment. This program has a 20-year amortization with a 5-year balloon. 

Our first-time homebuyer program is designed to assist individuals or families taking their first steps into homeownership.²  This program requires as little as a 3%¹ down.

Have you found the perfect piece of land but not ready to build just yet? Our Land loan program is designed to help you acquire the perfect parcel of land⁴  for your future plans. This program requires as little as 20% down payment and a 15-year term.