Loan ProgramsFixed Rate Mortgages The traditional fixed rate mortgage is the most common type of loan programs, where monthly principal and interest payments never change during the life of the loan. Adjustable Rate Mortgages (ARM) Adjustable Rate Mortgages (ARM)'s are loans whose interest rate can vary during the loan's term. These loans usually have a fixed interest rate for an initial period of time and then can adjust based on current market conditions.. FHA Loans FHA home loans are mortgage loans that are insured against default by the Federal Housing Administration (FHA). VA Loans The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families, and the dream of home ownership became a reality for millions of veterans. Interest Only Mortgages A mortgage is called "interest only" when its monthly payment does not include the repayment of principal for a certain period of time. Reverse Mortgages Reverse Mortgage is a type of home equity loan that allows you to convert some of the equity in your home into cash while you retain home ownership.
VHDA Loans These are loans specifically for First Time Homebuyers, and require less money down than most programs, and lower interest rates.
New Construction Loans Whether you want to purchase land and build later, or build now, we can assist you with financing your land, and the construction of your home.
Renovation Loans Can be used to renovate a home you already own, or to renovate a home you are purchasing.
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