Mortgage Loans

VA Mortgage Loan

Who it's great for: Veterans, active-duty service members, reservists, and qualifying military family members.

The Benefits:

• $0 Down Payment: Move in without the burden of a massive upfront cash requirement.

• No PMI: Keep your monthly payments low with absolutely no Private Mortgage Insurance.

• Added Bonus: We will pay a lender's credit directly toward your closing costs! Features a 30-year fixed rate on loan amounts up to $832,750.

Heroes Choice Mortgage

Who it's great for: First responders, educators, medical staff, active-duty service members, veterans, and reservists.

The Benefits:

• No Down Payment: 100% financing designed to honor those who serve our local communities.

• No Private Mortgage Insurance: Say goodbye to monthly PMI fees.

• Stable Payments: Enjoy a reliable 30-year fixed Mortgage rate.

Member's Choice Mortgage

Who it's great for: Buyers looking for premium, stable conventional financing without extra monthly fees.

The Benefits:

• 100% Conventional Financing: No down payment required on our custom portfolio program.

• No PMI: Walk into your home with zero Private Mortgage Insurance required.

• Accelerated Term: Build equity faster with low, competitive rates on a 20-year fixed term.

First-Time Homebuyer Loan

Who it's great for: Budding homeowners looking to transition from renting to owning with minimal capital.

The Benefits:

• High Financing Limit: Up to 97% Loan-to-Value (LTV) to keep your down payment to a tiny 3%.

• Fixed-Rate Stability: A classic 30-year term keeps your monthly budget predictable.

• Standard Protection: Includes Private Mortgage Insurance (PMI) to help secure your approval.

Does your dream home require a custom blueprint?

Every homebuying journey is different. If our premier programs aren't the perfect fit, we provide a deep bench of highly flexible, specialized conventional Mortgage options:

• 30-Year Conventional (Single Family): The gold standard of home buying. Enjoy low down payments, highly competitive rates, and maximum term flexibility up to 30 years.

• 30-Year Conventional (No PMI Option): Save thousands over the life of your loan. Secure a 30-year fixed-rate term with 80% Loan-to-Value (LTV) and bypass PMI entirely.

• Construction-to-Permanent Loan: Building from the ground up? Seamlessly transition from a construction loan into a permanent 30-year fixed Mortgage with up to 100% LTV (includes PMI).

• Jumbo Mortgage Loan: For high-value properties and dream vacation houses. Secure a loan up to $3,000,000 at 80% LTV for your primary residence or secondary vacation home. Available for both purchases and refinancing.

• Residential Investment Properties: Build your real estate portfolio. Choose our 15-year Investment program (up to 80% LTV on purchases / 75% on refis) or our 30-year Conventional Investment loan (up to 85% LTV on purchases; refis over 80% LTV require PMI).

• 10-Year Conventional Lot Loan: Found the perfect piece of land but aren't ready to build yet? Secure unimproved land easily with low rates and up to 80% LTV.

How Much House Can You Afford?

Taking the guesswork out of your Mortgage begins with a clear baseline. We’ve gathered these visual and digital tools to help you calculate your potential payment and research your property options:

Need immediate counselor support?

You can reach the Making Home Affordable (MHA) Homeowners Hope Hotline anytime at (888) 995-HOPE (4673) or via TTY at (877) 304-9709.

Are you ready to take the first step toward your new front door?

You don't have to navigate the Mortgage paperwork alone. Apply online in just a few clicks, or let one of our dedicated, local Mortgage specialists guide you through the process step-by-step.