Home Financing Services
Your comprehensive guide to residential property financing solutions
First-Time Homebuyer Programs
Starting your homeownership journey can feel overwhelming, but our specialized first-time buyer programs make it accessible. We offer competitive rates, reduced down payment options, and educational resources to guide you through every step of the process.
- Down payments as low as 3%
- First-time buyer education courses
- Flexible credit requirements
- Closing cost assistance programs
Current Mortgage Rates
30-Year Fixed
15-Year Fixed
5/1 ARM
Rates updated December 15, 2024. Subject to change based on market conditions and individual qualifications.
Investment Property Financing
Building wealth through real estate investment requires the right financing partner. Our investment property loans are designed for experienced investors and those looking to expand their portfolio with competitive terms and flexible qualification criteria.
Investment Loan Features
- Single-family rentals
- Multi-unit properties
- Cash-out refinancing
- Competitive investor rates
- Fast approval process
- Portfolio lending options
Construction and Renovation Financing
Whether you're building your dream home from the ground up or renovating an existing property, our construction financing solutions provide the flexibility and support you need throughout your project.
Construction-to-Permanent Loans
Streamline your financing with a single loan that covers both construction and permanent financing phases, reducing paperwork and closing costs.
Renovation Loans
Transform your current home with financing that includes both purchase price and renovation costs, allowing you to buy and improve in one transaction.
Pre-Qualification Process
Step 1: Application
Complete our secure online application with basic financial information
Step 2: Documentation
Submit required documents including income verification and credit history
Step 3: Review
Our underwriting team reviews your application and financial profile
Step 4: Approval
Receive your pre-qualification letter and start shopping with confidence
Specialized Financing Programs
VA Loans
Exclusive benefits for military veterans and active service members, including no down payment requirements and competitive rates.
- No down payment required
- No private mortgage insurance
- Flexible credit requirements
FHA Loans
Government-backed loans with lower down payment requirements and flexible qualification standards for qualified borrowers.
- Down payments as low as 3.5%
- Flexible credit scores
- Gift funds accepted
Jumbo Loans
Financing for luxury properties and high-value homes that exceed conventional loan limits with competitive rates.
- Loans above $766,550
- Competitive jumbo rates
- Flexible terms available
Eligibility Requirements
General Qualification Criteria
| Credit Score | Minimum 620 for conventional loans |
| Down Payment | 3% to 20% depending on loan type |
| Debt-to-Income | Maximum 43% for most programs |
| Employment | 2 years stable employment history |
| Income Verification | W-2s, pay stubs, tax returns |
Required Documentation
- Recent pay stubs (last 30 days)
- W-2 forms (last 2 years)
- Tax returns (last 2 years)
- Bank statements (last 2 months)
- Investment account statements
- Photo identification
- Social Security card
Why Choose Our Home Financing Services
Expert Guidance
Our experienced loan officers provide personalized guidance throughout your home financing journey, ensuring you understand every step of the process.
Fast Processing
Streamlined application and approval process with digital tools that help you get pre-qualified quickly and close on time.
Secure Platform
Bank-level security protects your personal and financial information throughout the application and approval process.
Dedicated Support
Access to dedicated loan specialists who understand your unique situation and can provide tailored financing solutions.
Ready to Start Your Home Financing Journey?
Take the first step toward homeownership with our comprehensive financing solutions designed to meet your unique needs and budget.
Contact our home financing specialists today to discuss your options and get started with a personalized consultation.