Loan Recommendations Tailored to YOU

Our team begins the process by simply doing one thing..... listening.  We start by understanding your long-term goals.  We'll uncover things like whether you value a low monthly payment, or want to pay off your loan as quick as possible.  Then, we'll use that knowledge to recommend the best loan for your circumstances.  Here's a summary of the most popular mortgage loans:

Fixed Rate Conventional

A conventional loan has the same payments throughout the term of the loan, which can be customized to span 30, 20 or 15 years.  These loans are our specialty.  Benefits include:

  • Buy a home with as little as 10% down
  • Refinance up to 90% of the value of your home (80% with cash out)
  • Monthly payments remain the same for the entire term of the loan

Adjustable Rate 

This loan has a fixed interest rate initially with monthly payments based on a 30-year repayment schedule.  Once the initial period ends (typically 5,7, or 10 years) the adjustable period begins, and the interest rate can fluctuate every year after.  Benefits include:

  • The option for adjustable rate caps to limit the amount your rate can increase
  • Monthly payments based on a 30-year repayment schedule


A FHA loan is a smart option for first time home buyers, buyers with a minimal down payment, or buyers with previous credit concerns.  Benefits include:

  • Buy a home with as little as 3.5% down payment
  • Minimum credit scores as low as 580


We appreciate your dedication to our country.  This governmental program allows for veterans, as well as active-duty service men and women, the ability to receive discounted rates on their loan.  Benefits include:

  • Purchase a home with as little as no money down
  • Sellers can pay up to 6% of closing costs