• Explore Loan Options

Find the right loan based on your needs

We offer a wide range of home loan and refinance loan options, including fixed rate, adjustable rate, FHA, VA and manufactured home loans. Your Home Loan Specialist can walk you through the benefits of each of these options.

Select your loan purpose

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Purchase

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Refinance

Homebuyer Guide

Homebuyer Guide

Daydreaming about buying your first home? We’ve been there. Let’s make that dream a reality.

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Refinance Guide

Refinance Guide

Compare your refinancing loan options in this handy guide.

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PURCHASE LOAN OPTIONS

Fixed Rate
Fixed Rate

A fixed rate mortgage lets you set the interest rate and monthly principal & interest (P&I) payment for the life of your loan.

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Fixed Rate
Fixed Rate

A fixed rate mortgage lets you set the interest rate and monthly principal & interest (P&I) payment for the life of your loan.

THE REQUIREMENTS
  • Credit score of at least 620
  • Debt-to-income ratio between 40%-50%
  • Minimum down payment of at least 5% (requires mortgage insurance)
THE BENEFITS
  • Fixed interest rate
  • Stable monthly mortgage payments (making budgeting easier)
  • Flexible terms, ranging from 10 to 30 years in 5-year increments Simple to understand
RIGHT FOR YOU IF
  • You prefer the stability of a fixed monthly payment
  • You plan to stay in the home for a while
  • You can put at least 5% to 20% down
Adjustable Rate
Adjustable Rate

An adjustable rate mortgage (commonly known as an ARM) has an initial low, fixed rate period and then the rate adjusts with the current market conditions.

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Adjustable Rate
Adjustable Rate

An adjustable rate mortgage (commonly known as an ARM) has an initial low, fixed rate period and then the rate adjusts with the current market conditions.

THE REQUIREMENTS
  • Credit score of at least 620
  • Debt-to-income ratio between 40%-50%
  • Minimum down payment of at least 5% (requires mortgage insurance)
THE BENEFITS
  • Lower rates and payments in the initial term
  • Rate caps to limit how much your interest rate can increase both yearly and over the life of the loan
  • Lets borrowers take advantage of falling rates without needing to refi
RIGHT FOR YOU IF
  • You plan to move or refinance before the rate adjusts
  • You’re expecting a boost in income soon
FHA Loan
FHA Loan

Insured by the Federal Housing Administration (FHA), an FHA loan can be one of the easier home loans for which to qualify.

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FHA Loan
FHA Loan

Insured by the Federal Housing Administration (FHA), an FHA loan can be one of the easier home loans for which to qualify.

THE REQUIREMENTS
  • Credit score of at least 580
  • Debt-to-income ratio between 40%-50%
  • Minimum down payment of 3.5% Mortgage insurance required (upfront and monthly premium)
THE BENEFITS
  • Lower rates than conventional loans
  • Low down payment accepted
  • Seller may pay up to 6% of closing costs
  • Overall, an easier loan to qualify for
RIGHT FOR YOU IF
  • You’re a first-time homebuyer
  • You don’t have the down payment required for a conventional loan
  • You have a less-than-perfect credit score and/or a limited credit history
VA Loan
VA Loan

VA Loans are available exclusively to veterans, active-duty personnel, reservists, National Guard members and, in some cases, surviving spouses.

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VA Loan
VA Loan

VA Loans are available exclusively to veterans, active-duty personnel, reservists, National Guard members and, in some cases, surviving spouses.

THE REQUIREMENTS
  • Must meet eligibility requirements
  • Credit score of at least 620
  • Debt-to-income ratio around 40%
THE BENEFITS
  • Lower rates than conventional loans
  • No down payment needed
  • No mortgage insurance required
  • Seller may pay up to 4% of closing costs
  • An assumable mortgage
RIGHT FOR YOU IF
  • You’re an active military member or veteran who does’nt have the money for a down payment

REFINANCE LOAN OPTIONS

Fixed Rate
Fixed Rate

A fixed rate mortgage lets you set the interest rate and monthly principal & interest (P&I) payment for the life of your loan.

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Fixed Rate
Fixed Rate

A fixed rate mortgage lets you set the interest rate and monthly principal & interest (P&I) payment for the life of your loan.

THE REQUIREMENTS
  • Credit score of at least 620
  • Debt-to-income ratio between 40%-50%
  • Seller may pay up to 6% of closing costs
  • Minimum down payment of at least 3.5% (requires mortgage insurance)
THE BENEFITS
  • A low, fixed interest rate
  • The stability of a fixed monthly P&I payment
  • The option to secure an even lower interest rate with discount points
  • A down payment as low as 5 to 20% of the home’s value (if you are buying a home)
  • No prepayment penalty if you pay your loan off early
  • Flexible loan terms ranging from 10 to 30 years in 5-year increments
RIGHT FOR YOU IF
  • You have a high interest rate and want to lower it
  • You have an adjustable rate mortgage and prefer the stability of fixed P&I payments
  • You want to lower your P&I payment or shorten the term of your loan
  • You want to get cash out for home improvements, debt consolidation or college tuition
  • You plan to stay in your home for 7 years or longer
Adjustable Rate
Adjustable Rate

An adjustable rate mortgage (commonly known as an ARM) has an initial low, fixed rate period and then the rate adjusts with the current market conditions.

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Adjustable Rate
Adjustable Rate

An adjustable rate mortgage (commonly known as an ARM) has an initial low, fixed rate period and then the rate adjusts with the current market conditions.

THE REQUIREMENTS
  • Credit score of at least 620
  • Debt-to-income ratio between 40%-50%
  • Minimum down payment of at least 5% (requires mortgage insurance)
THE BENEFITS
  • A lower rate and P&I payment during the initial term (though you may pay more in interest over the life of your loan)
  • The stability of a fixed monthly P&I payment during the initial term
  • Rate caps that limit how much your interest rate can increase annually and over the life of the loan
  • No prepayment penalty if you pay your loan off early
RIGHT FOR YOU IF
  • You plan to relocate or refinance (again) in the next 5 to 7 years
  • You anticipate a major lifestyle change such as an increase in income
  • You are willing to accept the risk of future interest rate changes
FHA Loan
FHA Loan

Insured by the Federal Housing Administration (FHA), an FHA loan can be one of the easier home loans for which to qualify.

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FHA Loan
FHA Loan

Insured by the Federal Housing Administration (FHA), an FHA loan can be one of the easier home loans for which to qualify.

THE REQUIREMENTS
  • Must have an existing FHA loan
  • Made on-time payments for the last six months
  • It’s been at least six months since your first payment due date
  • At least 210 days have passed since closing on the loan being refinanced
THE BENEFITS
  • Lower rates than conventional loans
  • Reduced credit requirements
  • No appraisal needed
  • A quicker process
RIGHT FOR YOU IF
  • You have an FHA loan and there’s a financial benefit to refinancing, like a lower payment or shorter term
VA Loan
VA Loan

VA Loans are available exclusively to veterans, active-duty personnel, reservists, National Guard members and, in some cases, surviving spouses.

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VA Loan
VA Loan

VA Loans are available exclusively to veterans, active-duty personnel, reservists, National Guard members and, in some cases, surviving spouses.

THE REQUIREMENTS
  • Must have an existing VA loan
  • Must be current on mortgage payments
  • No more than one 30-day late payment within the last year
THE BENEFITS
  • Lower rates than conventional loans
  • No minimum credit score. No appraisal needed
  • A quick process (hence the name)
RIGHT FOR YOU IF
  • You have a VA loan and there’s a financial benefit to refinancing, like a lower payment or shorter term