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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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Mortgage products are subject to change and availability. All products are subject to credit score requirements, property type, appraisal requirements, and other considerations.