Mortgage Loan Programs

With our mortgage loan officers by your side, you will have a knowledgeable and experienced ally to guide you through the process of buying or transitioning into your perfect home. We are here for you every step of the way.

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Choosing a Loan

Knowing your exact financial standing is necessary to find the most suitable loan program for you. Make sure to look at these details:

  • Anticipated changes in finances

  • How long you intend to keep your house

  • How comfortable you are with your mortgage payment changing

With our assistance, you will discover the ideal loan program that is tailored to your financial situation, life aspirations, and future objectives.

Benefits of a Pre-Approval

Getting pre-approved to buy a home is one of the most important steps.

Know what you can afford

Before you begin searching for a house, figure out what your budget allows so that you can stay within realistic limits.

Approved loan

Secure your financial future with a fully underwritten loan approval that verifies your income, creditworthiness, and down payment funds.

Your offer

When you decide to make an offer on a house, the seller will be reassured by your solid offer.

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Your Loan Options

Fixed-Rate Mortgage

With a fixed-rate mortgage, your monthly principal and interest payments remain the same throughout the life of the loan. Most common fixed-rate home loan terms range from 10 to 30 years.

If you plan to stay in your home several years, a fixed-rate mortgage may be right for you.

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Adjustable-Rate Mortgage (ARM)

Adjustable-rate mortgages (ARMs) come with a variety of features that make them appealing to borrowers, such as lower adjustable interest rates and periodic or lifetime caps on the rate. Additionally, after construction completion, you may have the option to convert your ARM into another loan type. Most importantly, however, ARMs offer monthly principal and interest payments that change over time according to an external financial index – providing greater flexibility than fixed-rate mortgages.

Are you considering relocating or upgrading in the next few years? An adjustable-rate mortgage is your ideal choice to make this dream a reality.

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Jumbo Loans

A jumbo loan can provide the financing you need if your desired home is valued at greater than $647,200. Jumbo loans exceed the usual conforming loan limits of most mortgage investors and may come with additional underwriting or property requirements. With a jumbo loan, however, you could potentially secure that dream house without having to worry about maximum-loan restrictions!

If you have a low debt-to-income (DTI) ratio, an exceptional credit score, and can make a sizable down payment, then applying for a jumbo loan might be the perfect option for you.

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Construction & Lot Loans

The anticipation of crafting a home tailored to your exact vision is undeniably exhilarating – from the measurements of each room to selecting the perfect shade for the walls. However, it is essential to remember that just as an architect plans with a solid foundation in mind, financing plays an integral role when building your dream house.

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