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Fixed Rate Mortgage

Do your plan on staying in your home for years to come?  Does your peace of mind depend on payments that never change? Fixed Rate Mortgages work by setting monthly payments based on interest rates, the principal loan amount and the amortized interest over the term of the loan. Your payments will never change, and you can pay your mortgage in full at any time without pre-payment penalties.

Our Fixed Rate Mortgage is designed to fit your needs, check out the qualifications below:

  • Purchase your primary home with as little as 3% down
  • Refinance available on up to 97% of your primary home’s value
  • Loan amounts from $25,000.00 to $3,000,000.00

Adjustable Rate Mortgage

Do you want to significantly reduce the cost of your mortgage? Are you planning on moving or refinancing in the next five to ten years? Do you want the lowest rate available? Adjustable Rate Mortgages work by setting fixed interest rates for a period of five to seven years, at the end of each period your interest rate can adjust up or down depending on market conditions. Rate adjustments are capped at 5% above your initial rate, and 2 – 5% per adjustment period. Actual payments will vary based on individual situations or current interest rates at time of application, and you can pay your mortgage in full at any time without pre-payment penalties.

Our Adjustable Rate Mortgage is designed to fit your needs if you qualify with the following:

  • Purchase your primary home with as little as 5% down
  • Refinance available on up to 95% of your primary home’s value

VA Mortgages

Are you a veteran, member of the military or a surviving spouse of a veteran? Do you want fast approval and minimal red tape? Are you interested in financing up to 100% of your home or buying a home with now down payment? Governed by the US Department of Veterans Affairs, VA Mortgages are set to give back to those who have given their all to their country, who have credit scores as low as a 620.


VA Mortgages allow for both fixed and adjustable rates. Actual payments will vary based on individual situations or current interest rates at time of application, and you can pay your mortgage in full at any time without pre-payment penalties.

Federal Housing Administration (FHA) Loan

Do you need less stringent qualification and credit requirements? Is your down payment or home equity less than 20%?

FHA Loans are designed to fit your needs if you qualify with the following:

  • Purchase your primary home with as little as 3.5% down
  • Refinance available on up to 97.75% of your primary home’s value
  • Have a credit score of at least 580

FHA Loans allow for both fixed and adjustable rates. Actual payments will vary based on individual situations or current interest rates at time of application, and you can pay your mortgage in full at any time without pre-payment penalties.


Already have an FHA Loan and want to refinance? The FHA Streamline is a refinance program from the Federal Housing Administration which could get you a lower rate on your FHA mortgage without an extensive qualification process. FHA Streamline may be right for your if you current FHA Loan mortgage rate is higher than today’s mortgage rates, or your owe more on your mortgage than your home is worth.


Check out our current mortgage rates or apply now.

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