The right loan for your situation
You do not know what you can afford or which loan makes sense for you. We offer several programs because no two families are the same. Tell us about your timeline and your down payment, and we will explain which option fits.
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Fixed-Rate Mortgages
Your interest rate and monthly payment stay the same for the life of the loan. Predictable, straightforward, and right for people who plan to stay in their home.
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Adjustable-Rate Mortgages
Lower initial rates that adjust after a set period. Good for buyers who plan to sell or refinance before rates change.
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FHA and Conventional Loans
Whether you have a smaller down payment or stronger cash reserves, we have programs built for your circumstances and goals.
Before you apply
Know what you can afford before you apply
We will walk you through your income, debts, and savings. You will leave knowing exactly what monthly payment fits your budget and what kind of home you can actually afford. Then, when you are ready to move forward, there are no surprises.
Understand the process
Know what you can afford
This is the first conversation. You tell us about your income, debts, and down payment. We explain what monthly payment you can handle and what home price makes sense for your situation. It takes twenty minutes. It costs nothing. And you leave knowing where you stand.
Start the formal process
When you are ready, we take your full application. This is where we verify your income, pull your credit, and order an appraisal. One person walks you through every field and explains what we need and why. You get answers to questions the same day you ask them.
From approval to keys
Your loan goes to underwriting for final review. If we need more paperwork, we ask specifically and explain why. Then we schedule closing, walk you through the documents beforehand so there are no surprises, and you sign with someone you know and trust.
See loan options and timeframes
Rates change daily, and what you qualify for depends on your credit, down payment, and loan type. Use this table to see what programs we offer and how long each takes to close.
Rates as of
| Loan type | Rate | APR |
|---|---|---|
| 30-Year Fixed Conventional Loan Most popular choice for long-term stability and predictable monthly payments. | 6.500% | 6.625% |
| 15-Year Fixed Conventional Loan Higher monthly payment, but you build equity faster and pay less interest overall. | 5.750% | 5.900% |
| FHA Loan Programs Available for buyers with smaller down payments. Different qualification rules and insurance requirements apply. | 6.250% | 7.125% |
These examples assume standard credit profiles and conventional loans. Your rate will depend on your credit score, down payment amount, loan type, and property details. FHA loans have different requirements. Call us to talk about your circumstances.
These rates are examples only and do not constitute an offer or commitment to lend. Actual rates depend on many factors including credit score, down payment, debt-to-income ratio, property type, occupancy status, and loan amount. Additional fees, closing costs, and insurance may apply. All applicants are subject to credit and income verification. For current rates and to discuss your specific situation, call us directly.
Questions about mortgage programs
You have questions. We have answers. If what you need is not here, call us.
What is the difference between being pre-qualified and pre-approved?
Pre-qualification is informal. You tell us your income and debts, and we give you a rough idea of what you might afford. Pre-approval is formal. We verify your income with your employer, pull your credit report, and order a property appraisal. Pre-approval carries weight when you make an offer. It tells sellers you are serious and your lender has already checked you out.
How much down payment do I need?
It depends on the loan program. Conventional loans often require 10 to 20 percent down. FHA loans allow down payments as low as 3.5 percent. VA loans typically require no down payment if you qualify. We will explain what each option means for your monthly payment and total cost, so you can decide what feels right for your situation.
What credit score do I need?
Different programs have different requirements. Conventional loans typically ask for a score of 620 or higher. FHA loans may work with lower scores. But credit score is only one piece. We look at your full picture—your income, job stability, debt, and savings. Call us with your details, and we will tell you straight whether you qualify and what loan type makes sense.
How long does it take to close?
Most loans close within 30 to 45 days from application to signing. It depends on how quickly you get us what we need, whether the appraisal goes smoothly, and what underwriting finds. We will give you a timeline the day you apply and keep you updated every step.
Can I get a loan if I am self-employed?
Yes. We work with self-employed borrowers all the time. We will ask for two years of tax returns and sometimes bank statements to verify your income. It takes a bit more documentation, but it is absolutely doable. Tell us about your business when you call, and we will explain what we need.