Loan Programs

Which Mortgage is Right for You?

There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we're here to help you choose the best type of home loan for your needs.

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Mortgage Rate Options

Fixed Rate

The interest rate and principal-and-interest payment stay the same for the full term. This makes budgeting simple and protects you from future rate increases. A fixed loan can be a good fit if you plan to stay in the home for many years. 

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Adjustable ARM

  An ARM starts with a fixed rate for an initial period, then adjusts on a set schedule. Your rate equals index plus margin, subject to caps that limit how much the rate can change at each adjustment and over the life of the loan. 

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Interest Only

During the initial interest-only period you pay interest, not principal. This keeps the payment lower at first, but your balance does not fall, and the payment jumps when principal payments begin. 

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Graduated Payments

Payments start lower and increase on a set schedule for several years, which can help qualifying for some buyers. 

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Loan Program Options

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Conventional Loans

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FHA Home Loans

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VA Loans

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USDA (Rural Development)

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Manufactured Housing

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Hobby Farm

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Commercial Farm

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Farm and Ranch

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Rural Residential Loans

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Refinance Rate and Term

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Cash-Out Refinance

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Bridge

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Bank Statement

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DSCR (Debt Service Coverage Ratio)

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Delayed Financing - Cash Buyer

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Down Payment Assistance

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No Income / No Employment

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Reverse Mortgage

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Get Your Mortgage Questions Answered Today!