Home Loan Options

Low Rates. Quicker Closings. Guaranteed.


Conventional fixed mortgages have a set interest rate for the life of the loan. They also allow you to lock in a low interest rate.


Adjustable rate mortgages start you off with lower payments and may adjust to a new rate (higher or lower depending on the financial index) after a specified term.

FHA Home Loan

The Federal Housing Authority (FHA) has programs to help homeowners with a lower qualifying income, low credit scores or a lack of credit history get a loan. These loans require a lower down payment (as little as 3.5%) and are easier to qualify for than a conventional mortgage, a good option for first-time homebuyers.

VA Home Loan

The Veterans Affairs (VA) loan is for active-duty service members, veterans and their family members who have earned the benefits and savings of a home loan with fewer restrictions, lower payments and no down payment.


If you’re buying a home in an area designated by United States Department of Agriculture (USDA) as a USDA rural area, you may qualify for a loan with low interest rates, no money down and 100% financing for qualified buyers. Many areas of the US fit this designation so check with your mortgage banker.

Home Renovation Loan

A home renovation loan allows you to borrow based on what your home is expected to be worth after the renovations are complete. This spreads the construction costs throughout the term of the loan, so your monthly payments may be lower than with other financing options.

Jumbo Loan

If you’re buying a more expensive home and your loan amount is higher than the conforming loan limit set by the Federal Housing Finance Agency, you may need a jumbo loan. Mortgage rates and down payments for these loans can be 10% or higher, with stricter qualifying criteria.

Reverse Mortgage

A Home Equity Conversion Mortgage (HECM) can help you meet your personal and financial goals. A HECM (reverse) mortgage can be a smart financial option for seniors who want to tap into a portion of equity in their home to gain access to additional funds.

Which Loan Option is Right for You?