Your journey to homeownership starts here.
Every homebuyer is unique and so are their mortgage needs. Whether you’re buying a home, refinancing, building, or using your home equity, we offer solutions tailored to fit your goals.
Mortgage solutions designed around you.
Explore the options below to find the right path.
Buying a home
Refinancing a home
Building and renovation
Using home equity
Explore loan types.
Whether you’re buying your first home, refinancing, or building your dream house, we offer a variety of loans to fit your unique situation.
Conventional Loans
Perfect for buyers looking for flexibility and competitive rates.
- Available in both fixed and ARM
- Lower interest rates for qualified buyers
- Down payments as low as 3%1
- Renovation loan for fixer-up
- No private mortgage insurance (PMI) with 20% down
FHA Loans
Ideal for first-time homebuyers or those with lower credit scores.
- Down payment as low as 3.5%2
- Easier credit qualifying
- Higher debt-to-income ratio
- Can be used for purchase or refinance
- 203k renovation loan
VA Loans
Best for eligible veterans, active service members, and their families.
- No down payment required
- No private mortgage insurance (PMI)
- Flexible credit and income requirements
USDA Loans
Designed for buyers in eligible rural areas seeking affordable housing.
- No down payment required
- Low fixed interest rates
- Income-based eligibility
Portfolio Loans
Ideal for buyers with unique financial or non-traditional income situations.
- Custom loan terms for flexible financing
- Primary residences only
- Flexible qualification criteria for complex financial profiles
- Available for self-employed or high net-worth individuals
Jumbo Loans
For buyers needing financing that exceeds conventional loan limits.
- High loan amounts for luxury or high-cost properties
- Competitive interest rates
- Customizable loan terms to meet unique financial goals
Medical Professional Programs
Tailored for medical professionals.
- Resident/New Doctor Mortgage Program
- Medical Professional Mortgage Program
- Low down payment options
- Flexible qualifying terms
- Available for first-time and repeat homebuyers
Home Ownership Assistance Programs
Programs designed to help eligible buyers access more affordable financing options.
- Down payment and closing cost assistance programs
- Reduced rate options for qualifying buyers
- Flexible eligibility based on program guidelines
Backed by our powerful closing guarantee*.
It’s our commitment to you to close according to the terms of our approval letter, or we will pay $20,000 to the seller — which can really stand out when it comes to putting in an offer.
Mortgage tools to help you plan.
Mortgage calculators
Understand mortgage pre‑approval
First-time home buyer guide
Frequently Asked Questions
I need to check the status of my loan or update information. Where do I go?
To check the status of your loan or to modify/add information, you can click here.
What is the difference between a fixed-rate and an adjustable-rate mortgage (ARM)?
A fixed-rate mortgage has an interest rate that remains the same for the life of the loan, providing consistent monthly payments. An adjustable-rate (ARM), on the other hand, has an interest rate that may change after the initial period, causing your payments to increase or decrease over time.
How much of a down payment do I need for a mortgage?
The required down payment depends on the type of loan. Conventional loans can require as little as 3% down, FHA loans as low as 3.5%, and VA and USDA loans may not require any down payment. A larger down payment can help reduce your monthly payments and potentially avoid private mortgage insurance (PMI).
What is private mortgage insurance (PMI) and do I need it?
PMI is insurance that protects the lender if you default on your loan. It is typically required for conventional loans when the down payment is less than 20%. You may be able to cancel PMI once you reach 20% equity in your home.
How is my mortgage interest rate determined?
Your mortgage interest rate is influenced by several factors, including your credit score, the size of your down payment, the loan type, the loan amount, and the current market conditions. A higher credit score and larger down payment typically result in lower interest rates.
Can I get pre-approved for a mortgage before I start house hunting?
YES. Getting pre-approved is highly recommended. A pre-approval provides an estimate of how much you can borrow and helps you understand your budget when shopping for homes. It also shows sellers that you’re a serious buyer, which can strengthen your offer.
Ready to get started? Contact a mortgage banker or get pre-approved today.
Financial advice for every step of your journey.
Expert guidance for your home loan needs.
We’re here to guide you through every step of the homebuying process. Whether you’re navigating it for the first time or ready to dive in and get started, our experienced mortgage bankers are here to help you find the best loan to fit your needs.