Borrow from a mortgage lender you can trust so you can seize the moment
Some things are bigger than banking.
Chances are, when you think about buying a new home you’re not picturing bank accounts and loan numbers. You’re imagining the memories you’ll share or new ideas for decorating or how great it will feel to have a place of your own. That’s why we made it so easy to apply for a mortgage online. In just a few minutes, you’ll be back to daydreaming about the important stuff.
Find the Right Home Loan for You.
Renovation & Repair Program
- For home owners performing renovations or repairs
- Financing for new and refinance loans
- Based on the "as complete" value of the home
First Time Homebuyers
- Available for first-time home buyers
- Lower down payment requirements or lower closing costs
- Fixed rate mortgages available
Refinancing
- Possible lower interest rates
- Avoid rising interest rates on an adjustable rate mortgage by refinancing to a fixed rate
- Access available equity in your home
Fixed Rate Mortgage
- Same interest rate over the life of the loan
- Variety of loan terms
Adjustable Rate Mortgage(ARM)
- Lower starting interest rate and initial monthly payment
- Rates based on market variables
- Normally fixed for 3 to 5 years, then becomes adjustable annually
FHA Fixed Rate Mortgage
- Available for purchase and refinance loans
- Low down payment and fixed monthly payments
- Popular with first-time home buyers
VA Fixed Rate Mortgage
- Available to eligible US service members and veterans
- Low or no down payment, no PMI, and fixed monthly payments
- Benefits guaranteed by US Dept. of Veterans Affairs
Construction-to-Permanent Loan Program
- Helps finance the construction of a new home
- Converts to a permanent loan when construction is complete
- Interest charged as you pay for construction costs
- One-Time Closing
Here are some things we consider when helping you find the right loan.
Debt-to-Income Ratio
The sum of all your monthly debt payments divided by your gross monthly income. Here we look at your current financial obligations. This can include things like: car loans, credit card bills, child support, condominium fees, and student loans.
Loan-to-Value Ratio
The value of your home divided by the amount you owe on any loan secured by your home. This shows how much of the value of your house is being financed. For example, if your house is worth $100,000 and you are financing $25,000 of it, your loan-to-value ration would be 25%. Lower LTV ratios carry lower risk, and therefore may have lower fees.
Housing Cost-to-Income Ratio
The sum of your housing-related expenses divided by your gross monthly income. This shows us the percentage of your total income that would go toward housing - including your entire mortgage payment, real estate taxes, and homeowners insurance.
Credit Score
Your credit will help us see how you've handled debt in the past. When applying for a mortgage, your credit score can make all the difference. To find out your score, learn more here.
Have questions? We're here to help. Message us for Assistance.