Where there’s a need, there’s a way.

 Building, buying, or refinancing — we offer a variety of mortgage options, one of which is sure to fit your needs.
 

Primary Mortgage Products:
Fixed-Rate Mortgages:	The principal and interest payments will always stay the same for the entirety of the mortgage loan term. These mortgages are designed for those who want a consistent payment amount, are on a fixed budget, or believe interest rates could go up.
Adjustable-Rate Mortgages (ARMs)	ARMs typically offer lower starting interest rates than those offered in the fixed-rate mortgage product. This lower interest rate can remain fixed for periods of up to 10 years. An adjustable-rate mortgage might be right for you if you are willing to accept some risk over the life of the loan in order to save on the initial interest costs.
Conventional Mortgages	The most common type of mortgage, typically provided by the agencies known as Fannie Mae (FNMA) and Freddie Mac (FHLMC). The maximum loan amount is currently $417,000 and usually requires standard documentation for income and assets.
Jumbo Loans	The most common type are loans over the $417,000 limit, commonly referred to as non-conforming loans.

These are products designed for non-traditional circumstances, including bridge financing, unusual property characteristics (e.g., condotel), or unique financial situations.

Low-and/or no-down-payment mortgages, including government mortgages, are available. Options are based upon first-time homebuyer status, credit history, property characteristics, and income levels.

Transactions for single-family and duplex investment properties.

These are second mortgages taken out at the time of purchase to assist with the financing of the home and can, where appropriate, circumvent mortgage insurance or a jumbo loan amount.

Mortgage insurance is traditional in a transaction with less than a 20 percent down payment. There are a variety of terms used depending on how the mortgage insurance is paid. Individual circumstances and property characteristics will determine which options are right for you.