Loan Products

Explore different mortgage solutions, Gain valuable insights and make informed decisions.

Single-story brick house with a stone entryway, manicured lawn, small trees, and attached garage.

Conventional: More options in terms of location and types of housing, PMI can be canceled. Typically needs higher credit and a larger down payment.

Miniature model house with red and white walls on a wooden surface next to a key and house-shaped keychain.

FHA: Good for first-time buyers and those with less-than-perfect credit. Easier credit requirement, low down payment, but requires ongoing mortgage insurance.

American flag in grassy field at sunset with clouds in sky.

VA: No down payment and no PMI. Great rates for eligible veterans and military.

Red barn in a grassy field surrounded by trees with autumn foliage.

USDA: No down payment required, up to 101% financing, low insurance fees. Has income limits and property restrictions. Rural areas only.

Large, luxurious mansion with stone facade, turret-like structures, and a manicured lawn at sunset.

Jumbo: For high-value homes, High income and credit requirements, and usually larger down payments.

Row of colorful beach houses with porches, surrounded by palm trees, ocean in the foreground, clear sky.

Investment: Allows property to be purchased for income or vacation. Specific qualifications depending on property use.

Close-up of a person using a circular saw to cut wood, with sawdust flying.

Construction: Finance the building of your house. May offer interest-only payments during construction before transitioning into a permanent mortgage.

Refinancing: Lower monthly payments, eliminate PMI, shorten your loan term, switch to a stable fixed rate, or provide access to your home's equity as cash.

HELOC: flexible borrowing with potentially lower interest rates and initial payments. Use funds for various purposes, including home improvements that may be tax-deductible, and the credit line replenishes as you repay.