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Purchasing a Home

Choose from a variety of mortgage options to find the right home loan solution for you. Getting into the home of your dreams starts here and our dedicated mortgage lenders are with you every step of the way.

 

Conventional Fixed Rate Mortgage

Features:
  • Interest rate is locked for the life of the loan
  • Terms available from 10 to 30 years
  • Your monthly payment is fixed to make budgeting easier

Adjustable Rate Mortgage

Features:
  • Rates are traditionally lower than fixed rate mortgages
  • Rates are fixed for the initial term (5, 7 or 10 years) and then can adjust to current market rates every 6 months after that, to a maximum of 1% up or down.
  • Rate increases are capped at a pre-determined maximum

Everyday Heroes Loan

Created especially for: Law Enforcement, Fire Department, EMT, Educators, Health care, Active Military personnel, and Veterans. Includes retirees and support staff for these professions.

Features:
  • Zero down 100% financing is available*
  • $500 off closing costs
  • May combine these benefits with other loan programs
  • And More Benefits

Doctor Mortgage

Get a unique Home mortgage designed specifically for physicians and residents who plan to buy or refinance a home.

Features:
  • Zero Down-100% financing with NO Mortgage Insurance
  • Deferred Student Loans not included in the qualifying process
  • $250 off of closing costs
  • And More Benefits

Bridge Loan

Our Bridge Loan now makes it easier for you to bridge the gap between your old house and the new house you want to purchase.

Features:
  • Purchase a new home before the sale of your current residence
  • Make a stronger purchase offer without the need for a contingency on sale of your home.
  • Uses the equity of your current home to finance the Bridge Loan
  • And More Benefits

5% Down No Mortgage Insurance Loan

Features:
  • 5% down payment*
  • No PMI required
  • Available on all ARM loans

*Available on purchase transactions with a minimum fico of 700.

HomeReady Loan by Fannie Mae

Features:
  • Low income borrowers
  • First time or repeat homebuyers
  • Down payments as low as 3% with funds coming from multiple sources including gifts, grants from lenders or other eligible sources.
  • And More Benefits

Down Payment Assistance Program

Features:
  • Down payment options as low as 0%
  • 3% and 5% down options also available
  • Great for first time home buyers
  • And More Benefits

 

Mortgage FAQs

 

Need Help?

Feel free to reach out to our mortgage experts.

Find a Mortgage Consultant

or call us at 248-745-3353

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