Our programs
Loan options built for real borrowers
Find the program that fits
Whether you're a first-time homebuyer, looking to refinance, self-employed, or navigating a non-traditional financial situation, we have programs designed with you in mind. Each option comes with the same commitment to clarity and support. Let's talk about which one makes sense for your goals.
-
Conventional mortgages
Our bread and butter. Conventional loans work well for borrowers with established credit and a solid down payment. We can walk you through what lenders typically look for and help you understand if this path is right for you.
-
FHA loans
Designed to help borrowers who might not fit traditional molds. FHA programs can work with lower down payments and offer flexibility around credit history. If conventional feels out of reach, this might be worth exploring.
-
VA and USDA loans
Special programs for those who've served our country or live in rural areas. These loans often come with unique benefits. If you qualify, let's discuss whether one of these makes sense for your situation.
Understanding your loan
What's the difference
A fixed-rate mortgage means your interest rate stays the same throughout the entire loan term, so your monthly payment remains stable and predictable. An adjustable-rate mortgage starts with a lower rate that can change after a certain period, which means your payment might increase or decrease. Fixed rates offer peace of mind and easier budgeting. Adjustable rates can make sense if you plan to move or refinance before the rate adjusts. We can help you weigh these options based on your timeline and comfort level.
Choosing your timeline
Most borrowers choose between 15-year and 30-year mortgages. A 15-year loan means higher monthly payments but you pay less interest overall and build equity faster. A 30-year loan spreads payments across more months, making each payment lower and freeing up money for other priorities. Neither is universally better. It depends on your income, other financial goals, and what monthly payment feels manageable for your household.
How much do you need
Down payment requirements vary by program and lender. Some programs allow very low down payments, others require more. A larger down payment typically means lower monthly payments and less interest paid over time, but it also means saving more upfront. We can explore what different down payment amounts would mean for your situation and help you figure out what works for your timeline and savings.
What you should know
Getting a mortgage involves more than just choosing a program. Here's what to expect as you move through the process with us.
-
Pre-qualification
We'll have a conversation about your financial situation to give you a sense of what you might qualify for. This helps you shop for homes within a realistic range and understand your monthly payment estimates.
Explore purchase loans -
Documentation
Lenders need to verify your income, assets, and credit history. We'll tell you exactly what documents we need and when. Most borrowers find this straightforward once they know what to expect.
See refinance options -
Underwriting and closing
Your loan goes through a careful review to make sure everything checks out. Then we schedule closing, where you sign final documents and officially become a homeowner. Our team walks you through each phase.
Start your application
Today's mortgage rates
Rates change daily based on market conditions and your individual financial profile. The rates below represent current offerings, but your actual rate will depend on your loan program, credit profile, down payment, and other factors. We encourage you to get in touch for a personalized quote and a detailed discussion about what these rates mean for your monthly payment.
Rates as of
| Loan type | Rate | APR |
|---|---|---|
| 30-year fixed mortgage Most popular choice for long-term stability | 6.500% | 6.625% |
| 15-year fixed mortgage Faster payoff with higher monthly payment | 5.750% | 5.900% |
| Adjustable rate mortgage Lower initial rate with potential adjustment later | 6.250% | 7.125% |
APR calculations assume standard fees and closing costs. Your actual APR may vary based on your specific loan terms, credit profile, and market conditions. We provide detailed rate information and APR calculations during your pre-qualification conversation.
These rates are provided as a general reference and are subject to change without notice. Actual rates offered will depend on your creditworthiness, loan amount, down payment, property type, occupancy status, and other underwriting factors. Rates may vary by state and by individual circumstances. Please contact us for current rates and a formal quote. This information is provided for educational purposes only and should not be construed as an offer or commitment to lend.