- Mortgage
- See an overview
Mortgages without the fuss
Easy applications, great rates, and no hidden fees—just smart home loans.
Conventional loans
Flexible terms, competitive rates, and no hidden fees.
A conventional loan offers a straightforward path to homeownership with flexible terms and low rates. Perfect for buyers with a solid credit history who want to avoid PMI with a 20% down payment.
Why choose a conventional loan?
- Competitive interest rates
- Fixed and adjustable-rate options
- No private mortgage insurance (PMI) with 20% down
- Flexible loan terms for custom monthly payments
- Ideal for primary and secondary homes
Is this loan right for you?
- Credit score and income requirements apply
- A down payment of at least 3% is required
- Available for primary, secondary, and investment properties
Home Equity Line of Credit (HELOC)
Access funds as needed with a revolving line of credit.
Use the equity you’ve built in your home as a flexible line of credit for home improvements, debt consolidation, or unexpected expenses. With a HELOC, borrow only what you need, when you need it.
Why choose a HELOC?
- Flexible, revolving line of credit
- Only pay interest on what you use
- Competitive variable rates
- Funds available for up to 5 years
- Great for ongoing projects or large expenses
Is a HELOC right for you?
- Property must be owner-occupied
- Loan-to-value (LTV) limits apply
- Income and credit score verification required
Home equity
Unlock your home’s value to fund life’s biggest needs.
Access the value built into your home. Whether it’s renovations, paying off debt, or funding education, our home equity loans offer flexible solutions.
Why tap into your home’s equity?
- Borrow up to 80% of your home’s value
- Fixed and variable rate options
- Low, competitive interest rates
- Use for home renovations, education, or medical expenses
- Debt consolidation options available
Is this loan right for you?
- Property must be owner-occupied
- Loan-to-value (LTV) limits apply
- Credit score and income verification required
Construction loans
Build your dream home from the ground up.
With a construction loan, financing your custom home is straightforward. Use funds to cover land, labor, and materials, with flexible draw schedules to suit your building timeline.
Why choose a construction loan?
- Flexible draw schedules for project needs
- Funds available for land, labor, and materials
- Pay interest only on funds used during construction
- Loan converts to permanent mortgage once complete
- Competitive rates with a simple application process
Is this loan right for you?
- Suitable for owner-occupied properties
- Credit and income qualifications required
- Building plans and contractor approvals needed
FHA and VA Loans
Affordable paths to homeownership for new buyers and veterans
Our FHA and VA loans make homeownership accessible for first time buyers and those who have served. With lower down payments, easier credit qualifications, and exclusive benefits for veterans, these loans help you take the next step with confidence.
Why choose FHA or VA loans?
- Low down payments: FHA loans start as low as 3.5%, and VA loans require no down payment
- Easier qualification: Flexible credit and income requirements make qualifying simpler
- No PMI for VA loans: Save on mortgage insurance with VA loans
- Competitive interest rates: FHA and VA loans offer rates that make homeownership affordable
- Flexible loan terms: Available in both 15- and 30-year options
Is an FHA or VA loan right for you?
- FHA loans: Great for first-time buyers with limited savings; requires a 580+ credit score and mortgage insurance
- VA loans: Available to veterans and active-duty service members; must have a Certificate of Eligibility (COE)
- Property must be your primary residence for both loan types
First time homebuyers
Low rates, low down payments, and personalized mortgage support.
Get your first home with a loan that fits your needs. From lower payments to guidance through the entire process, we make homeownership easy.
Why choose this loan?
- Only 3% down required
- Flexible loan terms to fit your budget
- No private mortgage insurance (PMI)
- Easy online application process
- Fast pre-approval to help you plan
- Personal support from mortgage experts
Is this loan right for you?
- Must be a first-time homebuyer
- Income and credit qualifications apply
- Property must be owner-occupied
Vacant land loans
Low rates, low down payments, and personalized mortgage support for vacant land.
Whether you’re planning a future build or purchasing land as an investment, our vacant land loans provide affordable rates and personalized support to make your land ownership goals a reality.
Why choose a vacant land loan?
- Finance land for residential, recreational, or investment use
- Competitive interest rates
- Flexible loan terms for customized payments
- Great option for future building projects
- Available for raw or improved land
Is a vacant land loan right for you?
- Income and credit verification required
- Loan-to-value (LTV) limits apply
- Zoning and intended use restrictions may apply
Frequently asked questions
Yes, you can. We can also assist in determining your price range.
Not quite. You are still required to pay your closing cost, taxes and insurance premiums.
Yes, please consult with your realtor for help with seller paid fees.
