Home Financing
Made Easy

We are here to assist with each stage of the journey to your new home. Talking to one of our experienced mortgage professionals is a great place to start. They can go over the various home financing options to see which is the ideal fit for your scenario, help you come up with a home-buying budget, and get you pre-qualified. That pre-qualification is an important tool that will show real estate agents and home sellers that you are serious about purchasing a property, and that obtaining financing won’t stand in the way of closing the deal!

There are several purchase mortgage loan options you may want to consider, including:

• Conventional Loans – The most common mortgage type. Ideal for buyers with established credit and larger down payments.
• VA Loan –  A loan benefit offered to members of the military. No down payment or mortgage insurance is required.
• FHA Loan – Offers low down payment options and more relaxed credit requirements. Requires mortgage insurance.
• Jumbo Loans – For larger home purchases exceeding loan limits. Requires excellent credit and cash reserves to qualify.
• USDA Loan –  Geared toward low to moderate-income households in less populated communities.
• Construction –  A short-term loan used to finance the construction of your dream home that once built you can refinance.
• 1st Home Advantage Down Payment – provides eligible first-time home buyers and military veterans with down payment assistance.
• Non-QM Loans – Programs tailored for borrowers who need more flexible options such as business owners, real estate investors, or self-employed.

• Building Equity for Your Future
  Your home is an asset that will grow in value. Your monthly payments pay down your mortgage, helping you build equity.
• Fixed Monthly Payments
  You can plan knowing you have a fixed monthly housing cost and don’t have to worry about your rent increasing.
• The Home is Yours
  You can have pets, paint, decorate, renovate, and enjoy customizing your home. The choice is yours.
  
• Tax Benefits
  Mortgage interest may be tax deductible, keeping more money in your pocket each year. You should consult with your tax advisor for your unique financial scenario.

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