Built on a Strong Foundation of Experience and Customer Service

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    Loan Options

    Conventional Loan

    Conventional loans are for buyers who want a basic, standard loan. It is designed for primary residences, second homes and investment properties. It requires a minimum credit score of 620 and a minimum down payment of 3-5%.

    FHA Loan

    An FHA loan is a government-backed mortgage. They are designed for those with less-than-perfect credit or those with a higher debt-to-income ratio. It requires a minimum credit score of 580 and minimum down payment of 3.5% or a minimum credit score of 500 and minimum down payment of 10%.

    VA Loan

    A VA loan is a government-backed mortgage offered to our Veterans, active duty service members and surviving spouses. It requires a minimum credit score of 580 and no down payment is required.

    First Time Homebuyer

    For an individual who has not owned a home in the past 3 years. Through State, local entities and our trusted lending partners, we can assist you in obtaining down payment assistance and grants to help with your closing costs and down payment.

    Low Down Payment Options

    We have options that can help you become a homeowner with a low down payment of zero to 3.5%.

    Renovation Loan

    A Renovation loan is designed to help homeowners purchase a home and finance repairs, upgrades or renovations.

    Mobile Home Loans

    Mobile homes require special financing if you do not own the land the unit is on and have to lease the land or pay a space rental fee to a mobile home park. It requires a minimum credit score of 680 for 5% down payment and with a lower credit score to no credit score 20-35% down payment.

    Our Loan Process

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    STEP 1 - PRE-APPROVAL

    A loan pre-approval sets you up for a smooth home buying experience.

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    STEP 2: SHOP

    Start working with a real estate agent and viewing homes.

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    STEP 3 - LOAN PROCESSING

    Assemble all the necessary paperwork and details for the underwriter.

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    STEP 4 - CLOSING

    Documents are drawn and sent to the title company for closing.

    What To Avoid When Going Through The Mortgage Process

    • Don't change employers, quit your job, or become self-employed.
    • Don't take on additional long-term debt, such as buying a car or furniture for your new home.
    • Don't increase your use of credit cards or fall behind on any payments.
    • Don't change financial institutions.

    Frequently Asked Questions