For you, our welcome mat is always out.
Buying a house is a pretty big deal. You wonder if you’ll be able to afford the up-front costs. How you’ll balance your mortgage with your other living expenses. Give yourself a little extra peace of mind by using our calculator and see how it all adds up. When you’re ready, our mortgage originators explain everything and lead you through the process every step of the way.
First-Time Homebuyer Loans
Help with your most exciting purchase.
Buying your first home is a big step, but it doesn’t have to be a nerve-wracking one. Our First-Time Homebuyer Program gives you the knowledge, confidence, and support you need to make one of the smartest decisions about your future.
New Beginnings Mortgage Loans
Making homeownership possible for everyone.
You don’t have to have a perfect financial track record to make homeownership a reality. We’ll invest in your dream and work with you even if you have a low credit score or have had a foreclosure or short sale before.
With our New Beginnings Mortgage Loans, you’ll get:
- Low down payments.
- A fixed rate with low interest rates.
- Low closing costs.
- Consideration if you are 2 years from a prior foreclosure or short sale.
- Help purchasing an owner-occupied single-family home or condominium.
Let our service thank you for your service.
Are you or a family member a current service member or a veteran? The Department of Veterans Affairs (VA) offers loan programs to help people who’ve served the country buy homes.
The VA doesn’t make loans – it sets the rules. It determines if you qualify, arranges terms under which mortgages may be offered, and guarantees any loan made. Some VA loans are available with no down payment.
When you’re ready to learn more about VA loan programs, visit the Department of Veterans Affairs website or call 1-800-827-1000.
Flexible terms and a low down payment for qualified buyers.
The Federal Housing Administration (FHA) expands homeownership opportunities, especially for first-time homebuyers. FHA loans protect approved lenders against losses with mortgage insurance in the event the homeowner defaults.
The standards for qualifying are generally more flexible than for conventional loans: you can have a lower credit score and a smaller down payment. You simply assume the added cost of the mortgage insurance.
The FHA is part of the United States Department of Housing and Urban Development (HUD). To learn more about FHA loan programs, including whether you might qualify for one, visit HUD’s website, call HUD at 1-800-225-5342, or visit GovLoans.gov. HUD also provides a list of qualified FHA lenders.
Finance the home of your dreams without limitations.
Sometimes, a regular mortgage isn’t enough for the home you want.
Each year Fannie Mae, Freddie Mac, and their regulator, the Federal Housing Finance Agency (FHFA), set a maximum amount for loans: in general, it’s $417,000, although limits go as high as $625,500 in some high-cost areas of the continental United States. When mortgage loans exceed these limits, they’re called jumbo mortgages.
The cost of obtaining a jumbo mortgage is usually higher than the cost of obtaining other loans. It’s also a little harder to qualify for one, but it’s definitely not just for the well-to-do.
Build your dream home.
Don’t put off building your dream home. With a streamlined process—one application, one approval, and one closing—we make it easy and hassle-free.
- Finance up to 95% of the appraised value.
- Pay only the interest on your loan for up to 12 months during the construction period.
- Enjoy the convenience of your construction loan automatically converting to permanent financing when your home is complete.
5% down payment required. PMI (Private Mortgage Insurance) required with less than 20% down. APR is Annual Percentage Rate. Representative example of loan terms after 12-month interest-only period: 30-year loan of $275,000 with a 4.25% APR would have 360 monthly payments of $1,352.83. Rate subject to change without notice. Other rates and terms available. Certain restrictions apply. Additional documentation may be required. All mortgage loans subject to credit approval.
Fix up your home and make it yours.
Now you have the convenience of covering the cost of your new home purchase and all the necessary repairs you want to make, in one loan.
Get a better rate and save.
Looking to lower your monthly mortgage payment? Have home improvements you want to make? Or, interested in consolidating your credit card debt? Our Refi Loans might make sense, especially if the value of your home has increased.