Conventional Loans

  • Lower interest rates for borrowers with good credit
  • Fewer penalties and fees
  • Down payments that range from 3%โ€“20%

Fixed-Rate Mortgage Loans

  • Interest rates that donโ€™t fluctuate
  • The ability to avoid rising rates in the future
  • The option of 10-, 15-, 20-, 25- and 30-year loan terms

Adjustable-Rate Mortgage Loans

  • Higher purchase limits
  • The ability to purchase more home
  • Options for multiple property types

FHA Mortgage Loans

  • Low down payment requirements
  • Flexible income and credit requirements
  • The ability to use gift funds for the down payment

USDA Mortgage Loans

  • The ability to finance up to 100% of the appraised value
  • Lower credit score requirements
  • Lower interest rates and closing costs

VA Mortgage Loans

  • No private mortgage insurance (PMI)
  • Fixed- and adjustable-rate mortgage options
  • A variety of eligible property types

Jumbo Mortgage Loans

  • Higher purchase limits
  • The ability to purchase more home
  • Options for primary residences, second homes or rental properties

Physician Loan Mortgages

  • The ability to ignore student loans when calculating your DTI
  • Low down payment options
  • Flexible closing dates

Renovation Loans

  • HomeStyle Renovation Loan
  • Limited 203(k) Rehabilitation Mortgage
  • Standard 203(k) Rehabilitation Mortgage

Refinance Loans

  • The ability to shorten your loanโ€™s term to save money
  • The possibility to attain a lower interest rate
  • The ability to access your homeโ€™s equity

Home Equity Line of Credit (HELOC)

  • Extremely flexible funding
  • Can provide opportunities for tax deductions
  • Qualifications are similar to a mortgage refinance

Reverse Mortgage Loans

  • The ability to turn a portion of the equity in your home into cash
  • Multiple payout options for borrowers
  • Unique repayment feature