In observance of Martin Luther King, Jr. Day, we will be closed on Saturday, January 18 and Monday, January 20.

New Home.

Loans for all of your home buying needs.

Whether you’re seeking a conventional fixed-rate mortgage or a program with the lowest possible payments, we have a wide variety of options. We’ll assess your specific needs and tailor the perfect mortgage solution just for you!

Conforming Loan

  • Fixed interest rates.
  • Terms ranging from 15 to 30 years.
  • For loan amounts up to $806,500.
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Adjustable Rate Mortgage (ARM)

  • Available in a 5 or 7-year term.
  • Traditionally lower rates than conforming.
  • Rates adjust annually after initial term.
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Jumbo Loan

  • For mortgages with balances higher than conforming loan limits.
  • Used for purchase or refinance of owner-occupied and second homes.
  • No mortgage insurance required.
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Physician Loan

  • Available to medical doctors and residents.
  • No down payment.
  • No mortgage insurance required.
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Community Heroes

  • Available to police, paramedics/E.M.T.s, teachers, firefighters, and nurses.
  • No down payment.
  • No mortgage insurance required.
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FHA Mortgage

  • Low Down Payment.
  • Flexible credit review.
  • Fixed or adjustable rates.
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Veteran's Assistance (VA)

  • Available to military veterans, active duty personnel, and reservists.
  • No down payment required.
  • Gift funds from family members are permitted.
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Bridge Loan

  • Make an offer that doesn’t require selling your current home first.
  • Gives you more time to move from one house to another.
  • No prepayment penalties, you may pay off the loan at any time.
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Debt Service Coverage Ratio (DSCR) Loan

  • Reduced documentation and faster closing compared to traditional loans.
  • Ideal for those looking to maximize returns on real estate investments.
  • One to four unit residential investment properties.
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USDA Rural Development

  • Designed for buyers in rurally-zoned areas.
  • No down payment required.
  • First-time and repeat buyers may qualify.
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MSHDA

  • Available for first-time and repeat homebuyers who qualify.
  • Up to $10,000 down payment assistance available statewide.
  • 30-year, fixed-rate loan terms for easier budgeting.
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Renovation

  • Finance almost all of your renovation project!
  • Obtain renovation funds for the ‘after-completion’ appraised value of the home.
  • Funds for improvements are placed into an escrow account for disbursement as needed.
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