You came to the right place for an affordable home loan
Whether you’ve been dreaming of buying your first home or seeking to refinance your home for better terms, you’re in the right place.
We’re not afraid to get our hands dirty along the way
You will never find our leadership team operating passively behind closed doors. Our leaders are hands-on individuals who get down in the weeds of day-to-day operations, partnering with staff members in identifying the best mortgage solutions. We build out strategic processes and provide the technology that team members need to best serve our customers — and we know the faces and names of our people. In turn, they feel valued and go on to value their customers.
Compare our home loan options
Conventional Loans
FHA Loans
VA Loans
Conventional Loans
Conventional Loans
A conventional loan is one that is not insured or guaranteed by the federal government. These loans are often more common among customers who have purchased a house before and are in a position to meet a narrower set of qualification requirements.
Conventional loan lending guidelines require the borrower to have debt-to-income ratios and credit scores within a specified range, and the ability to show stable income.
Those who meet these qualifications and want to opt out of private mortgage insurance (PMI) can do so by putting 20% down on the home at closing, which lowers their monthly payments.
Best for people with:
- Steady income
- Strong credit
- Debt-to-income (DTI) less than 43%
- Credit score of 620+
FHA Loans
FHA Loans
The government understands that everyone needs a place to live but that not everyone can meet the standards of a conventional loan. So, the Federal Housing Administration (FHA) insures home loans to expand homeownership opportunities to more borrowers.
These loans require the borrower to occupy the home as their primary residence. The loan amounts are capped, and the borrower is required to purchase mortgage insurance in case the home falls into foreclosure. Nonetheless, FHA loans are a great option for people who never thought they would be able to otherwise qualify for a loan.
Best for people with:
- Limited savings
- A lower credit score
- Higher debt
- 3.5% down payment for 580+ credit score
- 10% down payment for 500–579 credit score
- Proof of income and a steady paycheck
VA Loans
VA Loans
The VA loan program is made available by the government exclusively to veterans as a way of thanking military members and their families for their service to the country. These loans make it easier for retired and active-duty members to buy a house or refinance a current mortgage loan, as VA loans offer less restrictive qualification guidelines, low down payment minimums, minimal closing costs, and do not have loan amount caps nor require private mortgage insurance (PMI).
- Limited savings
- A lower credit score
- Higher debt
- 3.5% down payment for 580+ credit score
- 10% down payment for 500–579 credit score
- Proof of income and a steady paycheck