Owner Occupied Conventional Loans

Conventional loans are not insured by the FHA or VA. Generally, these are a good option if you have a higher credit score and stable employment history. Interest rates for conventional loans are usually some of the lowest. (CALL FOR UPDATED RATES)

There are lots of fixed-rate options with terms ranging from 10 to 30 years, but your not limited to 15- and 30-year terms only.
Several ARM programs are available: 3/1, 5/1, 7/1 and 10/1 ARMS along with a 5/5 ARM option.

Appraisal requirements are less strict. (Home equity or down payments of less than 20% require the purchase of private mortgage insurance or PMI.)


If you’re dreaming of homeownership and looking for a low down payment, you may be able to buy now with a HomeOneSM mortgage. It only requires a 3% down payment, and you’re not limited to a traditional residence. You may qualify with a minimum 620 FICO score. No income or geographic restrictions, so you’re free to shop for a home within the neighborhood you prefer.

HomeStyle® Renovation Loan

Remodel, renovate or repair your home with HomeStyle® Renovation loan from Fannie Mae. HomeStyle® is also available for new and existing homes – even new construction.

You may qualify for renovation fund amounts from $5,000 up to 75% of your home’s post-renovation value. Property types allowed, include single-family homes, 2-4 unit properties, modular homes, second homes, and homes in Planned Unit Developments (PUDs).


HomeReady™ is a Fannie Mae loan program that is designed to extend the privileges of homeownership to buyers with limited household incomes. Permits family or friends to co-sign the loan. Down payments as low as 3%. Credit scores as low as 620 are accepted.

Government Loans

FHA Home Loan

If you are a first-time homebuyer an FHA Loan might be a good choice for its relaxed requirements. You may qualify to buy with a low, 3.5% down payment. Credit scores from 620 are allowed for fixed-rate loans. Temporary buydowns may reduce your initial interest rate for 1-2 years.

FHA 203k Home Loan

If you are looking to buy a home that requires repairs or renovations an FHA 203k can help provide those additional funds before moving in. We offer two types of Rehab loans: Limited for minor remodeling and non-structural repairs, and Standard for the bigger jobs. There are benefits to both, and finding the right one for you is critical, so if you’d like to look into a Rehab loan, contact us today.

FHA Streamline Refinance

If you currently have an FHA mortgage, an FHA Streamline Refinance offers several options. Minimum 620 credit score requirement. A new property appraisal may not be required.

You may qualify to finance energy-efficient improvements for your home. To qualify, you’re required to be current on your monthly loan payments

USDA Home Loan

If you are looking to buy a home in a rural location, a USDA Loan can be ideal if you do not qualify for a conventional loan
Live the country life with a low-down-payment – or, better yet, no down payment at all.

VA Home Loan

If you are a military veteran or a service member you may have access to buy your next home using a VA Loan.

VA Streamline Refinance

A VA Streamline Refinance, or IRRRL, provides you with a faster way to lower or lock in your interest rate with limited costs.

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