Types of Loans
From traditional fixed-rate mortgages to specialty programs, we offer the right product for every situation. Browse the basics below — a loan officer can match you to the best fit.
A flexible home loan with options for a range of down payments and property types. Put 20% down and you can avoid private mortgage insurance.
Best if you want flexible loan options, have established credit, or can make a larger down payment.
The classic. Constant interest rate, constant monthly payment for 30 years. Predictable budgeting, full term to pay it down.
Best if you plan to stay 7+ years, want payment certainty, or prefer locking in today's rate for the long haul.
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 if cash flow supports the bigger payment and you want to build equity quickly.
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 first-time buyers, lower down payments, or credit profiles that don't fit conventional.
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 veterans, active-duty service members, and certain surviving spouses.
A path to homeownership with no down payment for qualified buyers. The home must be in a USDA eligible area, and household income limits apply.
Best if you want to buy in an eligible area and keep more of your savings for moving in.
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 higher-value homes that exceed conforming loan limits in your area.
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 if you expect to move or refinance before the initial fixed period ends.
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 when seller concessions or builder credits can fund the temporary buy-down.
More ways to show you can qualify when a traditional mortgage does not fit your finances. Depending on the program, bank statements, assets, or rental property income may help tell the full story.
Best if you're self-employed, have a complex income picture, or are financing an investment property.
A home financing option for eligible buyers who use an Individual Taxpayer Identification Number instead of a Social Security number. Loan terms and documentation requirements vary by program.
Best if you have an ITIN and are ready to explore a path to homeownership.
One conversation usually narrows it down fast.
Find a loan officer