Loan Programs
With so many loan options from which to choose, how do you know which one is right for you? A Mortgage Specialist can help you choose from the many financing options available.
Conventional Mortgages
	Conventional mortgages offer you the ability to fix your interest rate for 10, 15, 25 or 30 years with the most competitive interest rates available. While the 30 year mortgage has been the industry standard, the 15 year option has become popular because it offers tremendous interest savings compared to longer terms.
Government Insured Mortgages
	FHA, VA (Veterans Administration), and RECD (Rural Development) loans offer very attractive down payment options to qualified buyers. Some loan programs even allow up to 100% financing.
Construction
	If you are ready to build a home from the ground up or finish building a home that's underway, there's one loan that can provide all the financing you need from construction through the life of the loan. This innovative mortgage lets you finance both the construction and permanent phases in one convenient loan. The interest rate is fixed for both phases, giving you peace of mind. And, since the loan is for both phases, you save time and money. This lets you focus on what's really important-building your dream home.
Special Mortgage Programs
	We offer a variety of special loan programs designed for home buyers with special needs. Whether you have limited income, you are a first time home buyer, disabled, have bad credit, etc., we have a program that can work for you.