Traditional Mortgages
Finding the right mortgage is the first step toward achieving your homeownership dreams. Whether you’re a first-time buyer, a veteran, or purchasing a home in a rural area, we offer a variety of loan programs tailored to your needs.
Conventional Loans
The most popular loan option for borrowers with good credit and steady income.
- Down payments as low as 3%
- Loan amounts up to $726,200 (higher in high-cost areas)
- Minimum 620 FICO score
- Competitive fixed and adjustable-rate options
- No private mortgage insurance (PMI) required with 20% down
- Available for primary, secondary, or investment properties
VA Loans
A specialized program for veterans, active-duty service members, and their families, offering unbeatable benefits.
- No down payment required
- Loan amounts based on VA entitlement and location
- No private mortgage insurance (PMI)
- Minimum 620 FICO score (lender-specific requirements may vary)
- Competitive interest rates and terms
- Available for primary residences only
- Reusable benefit for future home purchases
FHA Loan Program
Affordable government-backed loans designed for first-time homebuyers and those with lower credit scores.
- Down payments as low as 3.5%
- Loan amounts up to FHA limits ($472,030 in most areas; higher in high-cost areas)
- Minimum 580 FICO score (500 with larger down payment)
- Flexible debt-to-income (DTI) requirements
- Mortgage insurance premium (MIP) applies
- Available for primary residences only
- Perfect for first-time buyers or those with limited savings
USDA Loan Program
Affordable financing for rural and suburban properties, backed by the U.S. Department of Agriculture.
- 100% financing available (no down payment)
- Loan amounts up to USDA limits (based on location and income)
- Minimum 640 FICO score
- Available for primary residences only
- Income eligibility based on USDA guidelines
- Ideal for buyers in rural and suburban areas