Home Loan Products




Conventional Loan 

A conventional loan is a mortgage not insured or guaranteed by a government agency such as the Federal Housing Administration (FHA) or the Department of Veterans Affairs (VA). As compared to FHA loans, a conventional mortgage typically requires a higher credit score. These loans will also require Private Mortgage Insurance (PMI) for loans with less than 20% down payment. These loans are subject to maximum loan limits. Loans that exceed the maximum limit are known as Jumbo loans.



FHA Loan 

An FHA home loan is insured by the U.S. Federal Housing Administration and financed through FHA approved lenders. FHA loans are designed to expand homeownership opportunities by allowing individuals the ability to purchase a home without making a large down payment. A popular choice for first-time home buyers, the program allows borrowers to make down payments as low as 3.5%, making these loans more flexible and attainable.



VA Loan 

The VA loan is an exclusive benefit for our nation’s veterans and active military. Unfortunately, many of the 25 million Veterans who are eligible may not utilize their benefit due to inaccurate information or lack of awareness that they qualify.



USDA Loan 

A USDA loan makes homeownership attainable for those who may not be able to afford to buy a home otherwise.



Hobby Farm Loan 

A Hobby Farm loan allows flexible, long-term financing for properties with acreage and agricultural characteristics.


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