Loan Programs

"Elite" Conventional Pricing (Conforming Agency)

  • The BEST rates for well qualified borrowers.
  • Terms of 10, 15, 20, 25 or 30 years
  • Must meet income, credit and down payment requirements     


  • Lower down payment and interest rate options
  • Easier qualifications
  • Good option for first-time homebuyers        


  • Guaranteed by the Department of Veterans Affairs
  • Benefits such as 100% financing (no down payment)
  • Competitive (and usually lower) interest rates  

United States Department of Agriculture (USDA)

  • For the purchase of homes in rural areas
  • 100% financing (no down payment) and no monthly mortgage insurance
  • Low interest rates   

Non-Agency (JUMBO Loans)

  • For loans $417,001 - $3,000,000
  • Usually carries a higher interest rate than conforming loans     

FHA 203(k) - Home Renovation Programs

Whether buying a home that needs work, or updating/remodeling your current home, you can finance both the purchase and renovation with just one loan (and one payment)!