Our Promise is Simple
We know buying a home can feel stressful. We are here to help you through every step of the mortgage process and to make sure you are getting the best mortgage for your specific financial situation.
Explore Your Options
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Conventional
This is the most common mortgage option and usually has the best interest rates. A conventional home loan is a mortgage that is not insured by the federal government, so their terms are more flexible than USDA, FHA or VA loans. Offering low interest rates, they are a great fit for customers with good credit and financial stability who can afford a down payment
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VA
Insured through the U.S. Department of Veterans Affairs, VA loans do not require the borrower to make any down payment or to get private mortgage insurance, amounting to substantial savings. VA loans typically have lower interest rates than conventional loans — anywhere from .5 to 1 percent lower. This can amount to tens of thousands of dollars’ worth of savings over the life of the loan.
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FHA
An FHA loan is a mortgage designed for low-to-moderate-income borrowers. Insured by the Federal Housing Administration. Unlike other loan types, property buyers with credit scores as low as 500 can qualify for an FHA loan. Mandatory down-payments can be set as low as 3.5% of the home’s cost, minimizing the need for available cash up-front.
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USDA
A USDA loan is the only loan type on the market that allows you to finance your closing costs up to the appraised value. A USDA loan is one of the only loan programs offered to the general public that allows you to finance 100% of your home’s value. That means no down payment of any kind!
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Renovation Purchase
This mortgage option allows you to buy a home with a small down payment based on the purchase price, and finance your repairs, renovation project, or additions. Seawalls and other items are included in this program. Primary or second homes, in some situations investment property homes are also eligible.
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Renovation Refinance
You can refinance your current home to update, renovate, repair or add on. Seawalls and other items are included in this program. Primary or second homes, in some situations investment property homes are also eligible..