Mortgage Product Menu

We offer many mortgage products to assist with your homebuying needs. Take a look at each option below for a little more information:

Construction

• Interest only payments during the building process
• Minimum 10% down payment
• Land equity, if already owned, can be counted towards the required minimum down payment
• Lender credit available for closing costs
• 12 month construction period

Conventional

• Minimum 3% down payment
• Second homes require minimum of 10% down
• Lender paid PMI options available
• No PMI option available for WHEDA

FHA

• Minimum 3.5% cash required from buyer
• No income level or property location requirements

Jumbo Loans

• Over $484,350 loan amount
• 5/1 Jumbo Portfolio ARM at 80% LTV
• Only one appraisal needed

Lot Loans

• For future construction or personal use
• Minimum 10% down payment

USDA

• Loan-to-Value based on appraisal amount, not purchase price like other loan programs
• 0% down payment required
• Must meet income and property eligibility guidelines

VA

• Up to $2,000,000 loan amount
• 0% down for loans up to $453,100
• No PMI required

Portfolio

• 80/10/10 for those who qualify
• Special rates or exceptions possible outside of the above programs
• Bridge loans: obtain financing to secure your new residence before you close on the sale of your current home

And More

• FHLB Down Payment Plus available
• Investment properties
• Self Employed Bank Statement Program with minimum 10% down payment

Ask about our mortgage options today!

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