Financing Options

Whether you're buying, refinancing, or building your home, we work with you to find a mortgage that fits!


A conventional mortgage is a home loan that isn’t guaranteed or insured by the federal government. Conventional mortgages that conform to the requirements set forth by Fannie Mae and Freddie Mac typically require down payments of at least 3%. Borrowers who put at least 20% down do not have to pay mortgage insurance premiums, which are typically required with FHA loans.


Rural Housing

A USDA home loan is a 100% financing (zero down payment) mortgage offered by the U.S Department of Agriculture to home buyers in less densely populated areas of the country. Eligibility is determined by home location, income level, and other requirements.


An FHA loan is a mortgage insured by the Federal Housing Administration. With a minimum 3.5% down payment for borrowers with a credit score of 580 or higher, FHA loans are popular among first-time home buyers who have little savings or flawed credit.



This nearly nationwide* program is designed to provide down payment assistance equal to 2% of the purchase price to a wide variety of eligible

borrowers. Eligible borrowers  may include first-time home buyers, first-responders, educators, medical personnel, civil servants, or military personnel.


The Department of Veterans Affairs doesn’t issue the loans; banks, mortgage loan companies and brokers do. The VA insures a portion of the loan in case of default. Lenders like that, so they follow the requirements issued by the VA to grant the loans. VA loan does not require any money down and do not have monthly mortgage insurance, there is a funding fee based on if its your first or second time obtaining a VA loan, you may also be exempt based on your service. This information is found by obtaining your VA Certificate of Eligibility.


Home Buyers

The Home Possible® and HomeReady® programs by Freddie Mac and Fannie Mae allow first-time and repeat home buyers to get into a new home with as little as 3% down.


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