Traditional Products


These loans are those not insured by a federal agency, such as the Federal Housing Administration (FHA), the U.S. Department of Veterans Affairs (VA) or the U.S. Department of Agriculture (USDA). Conventional options come in many varieties – fixed rate, arms, conforming, non-conforming, jumbo etc. These loans offer competitive interest rates and can accommodate a broad range of borrowers with a minimum down payment of 3% or those with less than perfect credit with a minimum 620-fico score.

FHA Home Loans

– The Federal Housing Administration (FHA) runs several lending programs that can help homebuyers with limited credit or income, including first- timers. Government – insured FHA home loans – which come as fixed-rate or Arms – offer affordable interest rates, a low minimum credit score and a down payment as low as 3.5%. Credit guidelines are considered more lenient compared to conventional loans.

USDA Home Loans

The U.S. Department of Agriculture (USDA) helps low and moderate income homebuyers in USDA designated rural areas – including some small towns, suburbs and exurbs. By providing up to 90% coverage, the USDA empowers eligible applicants to borrower the entire value of the loan, eliminating the need for a down payment. Income and property restrictions apply – contact us today for full details!

ARM (Adjustable Rate Mortgage)

An adjustable-rate mortgage gives borrowers the advantage of a low introductory rate for the first few years of the home loan. These loans can help short-term homeowners beat the higher interest rates found in counterparts. ARMs can be a good option for short-term homeowners or those who can reasonably expect to have a higher income over time.

30-year Fixed Rate

The 30-year fixed rate home loan is the gold standard of the industry. It gives homeowners long-term stability with one predictable monthly payment amount over the three decades of the loan. The fixed interest rate keeps the homeowner free from the fear of rising interest rates. These loans particularly appeal to homeowners who expect to settle down in one house for a long period of time.

15-year Fixed Rate

The 15-year fixed rate home loan provides the same stability as the 30-year fixed rate option. While the 15-year option has a higher monthly payment, it builds home equity faster, and you pay less interest over the entire term.  A 15 year loan can provide many advantages if you can afford it. 

VA Home Loans

The Department of Veterans Affairs (VA) partially guarantees home loans for eligible past and present service members and spouses. The “guaranty” can bring with it no down payment, competitive interest rates, low closing costs and no maximum loan amount other than what your credit and income can support.