Home Mortgages

First home, second home or investment property, we can help guide you through the mortgage basics, understand the not-so-basic, and help keep it all affordable with competitive rates so you can borrow the money you need without the stress and questions you don’t. We make home sweet home simple and convenient.

Low Interest Mortgage Options

Fixed Rate Mortgages

Finding the right home isn’t always easy. Fortunately finding the mortgage loan that works for your budget and needs can be. Let’s talk and find the right one for you. We also have a new home toolkit from the CFPB.

Adjustable Rate Mortgages (ARM)

Interest rates may be lower than a fixed loan rate initially, allowing you to afford more on your mortgage loan, but they can fluctuate over time
Adjustable Rate loans feature interest rates that move up and down based on the changes of an underlying interest rate index, which is usually the prime rate
Interest rates usually have caps or limits on how high it can move in a given period, but your rate can change multiple times during a year

We have a few tools to help you understand the difference between fixed and adjustable rate mortgages.

First Time Home Buyer

Buying your first home is a big deal, which is why we make a big deal out of helping you buy yours with confidence, so the home you love is the home you can afford. Learn more about our First Time Home Buyer Programs.

Construction Loans

We may not be able to help with choosing paint colors and faucets, but with the right construction loan, you can afford to build and accessorize your home to make it uniquely yours.

VA Loans

VA loans allow for up to 100% financing, there is no down payment required
VA loans are insured by the U.S. Department of Veteran's Affairs
VA determines your eligibility for this program

USDA Loans

USDA loans are designed to provide assistance for buying properties in designated rural communities
The maximum loan amount is up to 100% of the appraised value, with no down payment required.