Home Loans

Fixed-Rate Mortgage

A fixed-rate mortgage has a constant interest rate for the entire term of the loan, providing predictable monthly payments. Ideal for borrowers who plan to stay in their home long-term and prefer stability in their budgeting. 

Adjustable-Rate Mortgage

An adjustable-rate mortgage (ARM) starts with a lower fixed interest rate for an initial period (e.g., 5, 7, or 10 years), then adjusts periodically based on market conditions. These loans work best for borrowers planning to stay in their home for a short time to take advantage of the initial term with a lower fixed rate.

Home Loan Refinance

Refinancing is an ideal option for borrowers who are looking to capitalize on lower interest rates than when they initially applied. Refinancing can lower your monthly payment, the amount of interest you pay and shorten the term of your loan. 

USDA Rural Development Loans

USDA loans are designed for low- to moderate-income borrowers in eligible rural areas. They offer low interest rates and no down payment requirements. Ideal for borrowers who meet the income and location criteria and are looking to buy in rural communities. 

First-Time Home Buyer Loans

These loans often come with lower down payment requirements, reduced interest rates, and assistance programs. They are tailored for first-time buyers who may not have substantial savings or a high credit score. Ideal for new buyers looking to enter the housing market with financial support.

Construction Loans

Construction loans are short-term loans used to finance the building of a home. They typically have higher interest rates and require a detailed construction plan. Once the home is built, the loan can be converted to a traditional mortgage. Ideal for borrowers who want to build their home to their exact specifications from the ground up.