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Our Loans

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We have the loan that's right for you

Whether you are a first-time home buyer, purchasing your third home, a vacation home, or looking for the perfect rural home, we have the loan to fit your needs. Connect with an experienced loan officer to be set up with the loan that is right for you. As an equal housing opportunity lender, we offer the widest possible range of mortgage loans available to ensure you can find your perfect home loan.

Not sure which loan is right for you? Connect with an expert.

Conventional Loans

Generally for buyers with good credit and down payments of 3% or more.

Conventional loans are for buyers with good credit, good savings, and the ability to put more than a 3% down payment. Conventional loans are also good options for buying investment property. We offer the following conventional loan programs:

  • Freddie Mac Direct
  • Fannie Mae Direct
  • Freddie Home Possible
  • Fannie Mae HomeReady
  • Fannie Mae RefiNow
  • Freddie Mac Refi Possible
  • Aggregators and Minimum FICO 620


  • Easy approval process
  • Only 1 year of tax documents is required for W2 borrowers
  • Flexible mortgage insurance options for borrowers with less than 20% down
  • Easier appraisals for condo financing
  • Both ARM and Fixed options are available


  • Harder to qualify with low credit score
  • Longer waiting periods after a bankruptcy, loan modification, short sale or foreclosure
  • FICO score and loan amount can affect mortgage insurance and rate

Government Loans

Great for buyers with low credit and/or small down payments.

Government loans are great for the first-time homebuyer with little - to - no credit. Some programs, such as USDA and VA loans, require no down payment at all. Our Government loans include:

  • FICO 580
  • Fixed Loan Programs
  • FHA Standard
  • FHA Purchase and Streamline
  • FHA High Balance
  • FHA 203H
  • USDA Standard and Streamline
  • VA Standard
  • VA High Balance
  • VA Purchase & IRRRL


  • Greater flexibility for lower credit scores
  • Little to no down payment required
  • Non-occupant co-signers allowed
  • Lower interest rates compared to conventional loans
  • Ability to streamline refinance process


  • Mortgage insurance must be paid upfront
  • Mortgage insurance cannot be removed without refinancing
  • Harder to approve once declined by another bank


  • ARM and Fixed Options available
  • Up to $3,000,000 loan amounts
  • Some offerings over 80% LTV may not require MI
  • Purchase, Rate and Term Refi and Cash-Out Refi's available
  • Available for primary, second home and investment properties


Niche products

  • Bank Statement Option
  • Expanded Access
  • Investor Cash Flow
  • Manufactured Homes
  • Medical Professionals
  • Non-Warrantable Condos
  • Portfolio ARMs
  • Wealth Builder

Have QuEstions?
Ask a Loan Officer.

Take a simple step today and connect with one of our experienced loan officers, committed to support your journey to homeownership. Our simple digital pre-approval process takes less than 20 minutes. In short, we've created a smarter, simpler way to get a home mortgage.