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Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

Rates and terms are subject to change based on market conditions and borrower eligibility. This offer is subject to verification of borrower qualifications, property evaluations and credit approval. This is not a commitment to lend. Monthly payments do not include taxes and insurance. Your payment obligation will be higher.

Conventional Mortgage

Conventional loans are the most popular type of loan program for borrowers with solid credit scores. Rates can be fixed or adjustable and are generally lower.


 

Jumbo Mortgage

Fannie Mae and Freddie Mac have placed size limitations on conventional loans. This requires participation in a jumbo loan program for amounts above those limits. If your mortgage will be of a high value, you’ll need to consider a jumbo loan offered through lenders with typically low rates, and as with some conventional programs, can be negotiated down.


FHA Mortgage

Lenders tend to be much more flexible with FHA loans. This is due to the fact that the banks have some amount of assurance from the government. The borrower will often receive lower interest rates, lower down payment requirements, and even less-strict eligibility requirements. One important thing to keep in mind, is for these loan types mortgage insurance will be required, however the pros of FHA loans far outweigh the cons. [/t_one_half]


VA Mortgage

Current and former members of the military are typically eligible for either no down payment, or a low down payment mortgage. This includes those both active and reserve military members. A certificate of eligibility will be required in order to qualify, along with other income and credit score requirements. This mortgage type is partially guaranteed by the Veteran’s Administration, and perform in a similar fashion as other mortgage types.


Mortgage Refinance

We offer mortgage refinancing services that allow you to potentially lower your monthly payment, take cash out, or shorten your mortgage term. With rates near historic lows, it’s still a great time to refinance your mortgage.