Types of Loans

Conventional Fixed-Rate Mortgage Products
  • Purchase 
  • Refinance 
  • Fannie Mae HomeReady® 
  • Freddie Mac Home Possible® 
  • Freddie Mac Home Possible Advantage® 
  • Manufactured Home Options 
    • Conventional Fixed-Rate Mortgage Features
    • Available in 10, 15, 20, 25 and 30-year terms 
    • Low Down Payment Options 
    • Consistent Principal and Interest Payment 
    • Competitive Interest Rates Available 
    • Security of a Fixed-Rate Throughout the Life of the Loan 

Adjustable Rate Mortgage (ARM) Products
  • Purchase 
  • Refinance 
  • Conventional 5/1, 7/1 and 10/1 ARMs 
  • FHA 5/1, 7/1 and 10/1 ARMs 
  • VA 5/1, 7/1 and 10/1 ARMs 
    • ARM Mortgage Features
    • Initial Interest Rate may be lower than a Fixed-Rate Mortgage 
    • Interest Rate may adjust once a year 
    • As little as 10% Down Payment Options Available 

FHA Mortgage Products
  • 203(B) Purchase 
    • REO (HUD or Other) 
    • HUD w/ Repair Escrow 
    • Manufactured Home Options 
  • 203(B) Refinance 
    • Rate/Term 
    • Cash-Out 
    • Streamline with or without an Appraisal 
  • 203(k) Rehabilitation Purchase/Rate-Term Refinance 
    • Full 203(k) 
    • Limited 203(k) 
      FHA Mortgage Features
    • As little as 3.5% Down Payment Options Available 
    • Refinance up to 96.5% of your home’s value 
    • Credit Scores as low as 530 may qualify 
    • Flexible Debt-To-Income Ratios 
    • Adjustable Rate Mortgage (ARM) Options Available 
    • Renovation and Repair Costs can be Financed 

USDA Mortgage Products
  • Purchase 
  • Refinance & Streamline-Assist Refinance 
  • Manufactured Home Options 
    • USDA Mortgage Features
    • 100% Financing Available 
    • No Maximum Purchase Price 
    • Many Property Types Allowed (Condos, Manufactured Homes) 
    • Closing Costs and Lender Fees may be rolled into the loan  

VA Mortgage Products
  • Purchase 
  • Cash-Out Refinance 100% 
  • Interest Rate Reduction Refinance Loan (IRRRL) 
  • Manufactured Home Options 
    • VA Mortgage Features
    • Up to 100% Financing Available 
    • No Maximum Purchase Price 
    • Many Property Types Allowed (Condos, Manufactured Homes) 
    • Closing Costs and Lender Fees may be rolled into the loan