Home Loans

Buy, build, or refinance with clear guidance and lending built around your budget. No pushy sales—just a simple path to the keys.

Key Features

Local, reliable decisions

In-house processing with quick, transparent updates.

Payment-first planning

We size the loan to your monthly comfort level.

Competitive options

Fixed, adjustable, and specialty programs to fit your timeline.

Loan Options

Fixed-Rate Mortgage

  • Stable principal & interest for 10, 15, 20, or 30 years.
  • Great when you expect to stay put and want certainty.
  • Available for purchases and rate-term cash-free refinances.

Adjustable-Rate Mortgage (ARM)

  • Lower initial rate with predictable fixed period (e.g., 5/6, 7/6, 10/6 ARM).
  • Works well if you plan to sell or refinance within the fixed term.
  • Caps limit how much the rate can change at adjustment.

Jumbo Loans

  • For higher-priced homes above conforming loan limits.
  • Flexible down-payment structures and options for second homes.

FHA / VA / USDA Programs

  • FHA: Lower down payment and flexible credit guidelines.
  • VA: Eligible veterans and service members—no down payment on many scenarios.
  • USDA: For qualifying rural areas and income limits.

Cash-Out Refinance

  • Tap home equity for renovations, debt consolidation, or major goals.
  • We’ll compare total costs and breakeven so the math is clear.

How It Works

  1. 1Plan the payment. Share budget targets and timing; we run scenarios.
  2. 2Gather documents. ID, income, assets, and property details (see list below).
  3. 3Close with confidence. Clear conditions, review figures early, and sign.

What You’ll Need

  • Government-issued ID and Social Security number.
  • Recent pay stubs and W-2s (or two years of tax returns if self-employed).
  • Two months of bank/asset statements.
  • Purchase contract (for purchases) or current mortgage statement (for refinance).
  • Homeowner’s insurance agent contact.

We’ll request only what’s necessary—no busywork.

FAQs

How do I pick between fixed and ARM?

Match the fixed period to how long you expect to keep the loan. If you’ll be in the home for decades, fixed-rate offers maximum certainty. If you plan to sell or refinance within 5–10 years, an ARM can lower your initial cost.

What down payment do I need?

Conventional loans often start at 3% down for qualified buyers; FHA at 3.5%; VA and some USDA loans allow 0% down for eligible borrowers. We’ll review options and total cost of ownership—not just the down payment.

Will applying hurt my credit?

A hard inquiry may have a small, temporary impact. Multiple mortgage inquiries within a short window are treated as one, so you can shop responsibly.