Mortgages

Loan Types

Fixed-Rate Loans

Looking for payment stability? A fixed-rate mortgage keeps your interest rate the same for the life of the loan, giving you consistent principal and interest payments. Available to qualified borrowers, subject to credit approval and underwriting guidelines.

Adjustable-Rate Loans

A good option if you anticipate selling or refinancing in the near future. ARMs offer an initial fixed-rate period, after which the rate may adjust periodically based on a specified index and margin. All terms — including adjustment frequency and rate caps — are disclosed at application and prior to closing.

Loan Programs

Conventional Loans

The most common type of home financing. Not insured or guaranteed by a government agency, conventional loans are designed for borrowers with established credit and financial history. Qualification requirements may include credit score, income, assets, and debt-to-income ratio. Loan limits, down payment requirements, and interest rates vary by program and market conditions.

Jumbo Loans

Designed for loan amounts that exceed conforming loan limits set by Fannie Mae and Freddie Mac. Jumbo loans are typically funded through private investor programs and may carry higher credit standards, larger down payment requirements, and additional documentation. Fixed-rate and adjustable-rate options may be available.

FHA Loans

Insured by the Federal Housing Administration (FHA), part of the U.S. Department of Housing and Urban Development. FHA-approved lenders originate these loans, which require both upfront and annual mortgage insurance premiums. Loan limits vary by county.

VA Loans

Available to eligible veterans, active-duty service members, and surviving spouses. Guaranteed by the U.S. Department of Veterans Affairs, VA loans require the property to be owner-occupied as a primary residence. Funding fees, eligibility requirements, and program guidelines may vary by borrower.

USDA Loans

Government-insured loans designed for eligible borrowers purchasing homes in designated rural areas. Subject to income limits, property location requirements, and occupancy restrictions. Eligibility and program requirements are established by the U.S. Department of Agriculture.

All loan programs, rates, terms, and conditions are subject to change without notice. Credit approval, underwriting guidelines, and program eligibility requirements apply. Not all applicants will qualify. This is not a commitment to lend.