Experienced Homebuyers

A fixed-rate mortgage offers dependable monthly payments and a consistent interest rate, giving you confidence and stability throughout your homeownership journey.
 

• Flexible terms available: 15, 20, or 30 years to match your goals
• Low down payment options, starting at just 3% for first-time buyers
• All loans are reviewed and processed locally by our experienced team
• Secure your rate today and plan ahead with certainty

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An adjustable-rate mortgage (ARM) starts with a lower fixed interest rate for 3, 5, 7, or 10 years, making it a great option if you expect to move or refinance before the adjustment period begins. After that, your rate will adjust every six months—but you’ll benefit from early savings when they matter most.
 

• Term options include 3/6m, 5/6m, 7/6m, and 10/6m
• Down payments starting at just 5%
• Ideal for short-term homeownership plans
• Lower introductory rates can help you save more upfront

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Our Wealth Builder Home Loan is designed to help you build equity faster—paying off your home in about half the time of a traditional 30-year mortgage without doubling your monthly payment. You can own your home in as little as 15 years while saving significantly on interest.
 

• Finance up to 103% for purchases and up to 97% for refinances
• No monthly mortgage insurance required
• Choose a 15-year fixed rate or a 5/6m adjustable-rate option
• Build equity quicker and pay off your home sooner
• Reduce the total interest paid over the life of your loan
• Seller contributions up to 6% toward closing costs
• No limits on income or purchase price
• Available to both first-time and repeat homebuyers
• Minimum 700 credit score and debt-to-income ratio under 43% required

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FHA loans help make homeownership more attainable with a low down payment and flexible credit guidelines—an ideal option if you’re still building your financial profile.
 

• Get started with as little as 3.5% down
• More flexible credit requirements compared to conventional loans
• Seller contributions can help reduce your closing costs
• No income restrictions to qualify

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VA loans are designed to recognize your service with valuable benefits that make homeownership more affordable and accessible for you and your family.
 

• 100% financing available with no down payment required
• Open to eligible active-duty members, veterans, National Guard, Reserves, and certain surviving spouses
• Choose from Purchase, Streamline Refinance, or Cash-Out Refinance options
• No private mortgage insurance (PMI) needed
• Seller contributions can help offset closing costs
• In some cases, you can purchase with as little as $500 out of pocket

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Our Swing Loan allows you to use the equity in your current home to purchase your next one—so you don’t have to wait for your existing home to sell or deal with the hassle of moving twice.
 

• Access up to 85% of your home’s equity when working with a real estate agent
• Lower loan-to-value options available for private sales
• Make interest-only payments for up to 12 months while your home is on the market
• Secure your new home’s mortgage rate today
• No escrow account required for taxes or insurance
• Loan amounts available up to $600,000
• Simplified appraisal and title process for loans under $400,000
• Move directly into your new home with no interim step

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