Save more and increase your purchasing power with our market-beating loans!

Our affordable home loans can offer you low down payments, no mortgage insurance, and flexible underwriting terms (program eligibility required). Our loans are ideal for first time home buyers, too. Learn more about the different loan programs we have available to you. Below are a few we offer, call us for additional program details.

Conventional Loans

Conventional Loans have a fixed rate for the entire term of the loan, from 10 to 30 years. The payment remains constant and fully pays off the loan once the term has ended. This is one of the most stable products available, providing the lowest risk to the borrower, as the rate will not change over time.

Loan Characteristics:

  • Low down payments as low as 3.0% of the purchase price
  • Flexible ways to pay or finance the private mortgage insurance
  • Lower mortgage insurance premiums for high credit score borrowers
  • Seller is permitted to pay home buyer’s closing costs (restrictions apply)
  • No income limits to meet (minimum 5% down)
  • May be easier to cancel mortgage insurance if you have enough equity
  • Automated underwriting makes loan review quick and easy


An FHA Loan is a Federal Housing Administration (FHA) mortgage insurance backed mortgage loan offering . Your down payment can be as low as 3.5% of the purchase price. Available on 1-4 unit properties.

Loan Characteristics:

  • Low down payment (just 3.5% of the purchase price)
  • No income limits
  • Not limited to first-time home buyers
  • Seller can pay your closing costs (up to 6% of appraised value)
  • Lower minimum credit score

Find out more about FHA loans from HUD.

USDA Guaranteed Loans

USDA Rural Development’s Single Family Housing Guaranteed Loan Program assists low to moderate income individuals in buying a home in a rural area with 100% financing opportunities. Applicants must meet income eligibility requirements and purchase a home within the eligible rural areas.

Loan Characteristics:

  • No down payment
  • No monthly mortgage insurance
  • Not limited to first-time home buyers

Learn more about the USDA Rural Development Loan. Download the USDA Rural Development’s Single Family Housing Guaranteed Loan Program Factsheet.

Veterans Administration (VA) Loans

As a benefit for service, U.S. Veterans can obtain the federal VA loan, a great loan product with 100% financing loan options available to eligible vets.

Loan Characteristics:

  • 100% financing
  • You don’t need to be a first-time home buyer
  • Seller can pay your closing costs
  • Lower minimum credit scores


Specific eligibility requirements can be found online from the U.S. Department of Veteran Affairs.