30-Year Fixed
The classic. Constant interest rate, constant monthly payment for 30 years. Predictable budgeting, full term to pay it down.
Best for: Best if you plan to stay 7+ years, want payment certainty, or prefer locking in today's rate for the long haul.
15-Year Fixed
Same fixed-rate stability, half the payoff period. Lower interest rate than the 30-year, you own the home outright twice as fast — but at a higher monthly payment.
Best for: Best if cash flow supports the bigger payment and you want to build equity quickly.
FHA Loan
Insured by the Federal Housing Administration. Lower down payments (as little as 3.5%), easier credit qualifying, and lower closing costs. Borrower pays mortgage insurance.
Best for: Best for first-time buyers, lower down payments, or credit profiles that don't fit conventional.
VA Loan
Backed by the U.S. Department of Veterans Affairs. Zero down payment for eligible veterans and active-duty service members, no private mortgage insurance.
Best for: Best for veterans, active-duty service members, and certain surviving spouses.
Jumbo Loan
Loan amounts above the conforming limit. Not eligible to be sold to Fannie Mae or Freddie Mac. We hold and service these in-house.
Best for: Best for higher-value homes that exceed conforming loan limits in your area.
Hybrid ARM (5/1, 7/1, 10/1)
Fixed rate for the first 5, 7, or 10 years, then adjusts annually based on a market index. Initial rate is usually lower than a comparable fixed-rate loan.
Best for: Best if you expect to move or refinance before the initial fixed period ends.
2/1 Buy-Down
Effective interest rate is 2% below your note rate in year one and 1% below in year two, then settles to the note rate for the remaining term. Often used to ease into a higher payment.
Best for: Best when seller concessions or builder credits can fund the temporary buy-down.
Not sure which fits?
That's what a loan officer is for. One conversation usually narrows it down fast.
Find a Loan Officer