Top-tier loan programs.

As a full-service loan banker and broker, we offer a full host of loan programs.

Fixed-Rate Mortgage

Peace of mind; interest rate and payment do not change for the life of the loan, which can be for 15, 20, 25 or 30 years

Hybrid ARM (3/1, 5/1, 7/1 and 10/1)

Interest rate is fixed for a set length of time, then adjusts every year thereafter. The initial fixed rate period is generally at a lower rate than a fixed rate 30 year loan

Adjustable-Rate Mortgage (ARM)

Interest rate changes after set period, and changes at predefined time frames after initial rate change.


Specialized refinance program for borrowers whose current loan is owned by Fannie Mae or Freddie Mac.  Designed for those homeowners that have a home that has dropped in value.  Provides simplified documentation and usually no appraisal is required.


Designed for a borrower with minimal down payment and allows lower credit scores than that required for Conforming loans; also offers a ‘streamline refinance’ of an existing FHA loan with minimal documentation requirements


Specifically reserved for our citizens who served in the military, offers a purchase transaction without a down payment; also offers an Interest Rate Reduction Refinance of an existing VA loan with minimal documentation requirements.


30 year fixed rate loan with no down payment for borrowers buying homes in designated rural areas; geographic, loan size and income restrictions apply


For loan amounts that exceed programs available through FNMA/FHLMC

Reverse Mortgage

For borrowers at 62+ years old, pays off any loan on the property and may allow cash back. There are no payments on the loan; rather the interest owed is added to the loan balance. The loan is paid off when the home is no longer occupied by the borrower.

Mortgage Credit Certificate (MCC)

A feature provided to First Time Home Buyers that gives borrowers a tax credit for a portion of the interest paid on the loan in lieu of a mortgage interest deduction.

State Housing Finance Agency Program

Generally, state specific programs that allow First Time Home Buyers to obtain down payment assistance for the purchase of a property.