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First-Time Homebuyer Loans
Ready to buy your first home? This is a big decision. We've got you covered. Explore our loan options and education tools to get your started.Learn More
You’ve done this once, maybe twice, and we know that each new home purchase is a step towards your next chapter of life. Explore our purchase loan options.Learn More
Refinancing is often used to lower your interest rate. If rates have dropped since you last financed your home, you may want to consider refinancing.Learn More
Looking for a fixer-upper? Start your next project with us! We have several great loan products to choose from. 203(k), Fannie Mae Homestyle® and more!Learn More
Are you 62 or older? A reverse mortgage might be the loan option for you. Tap into the equity you’ve already built in your home with a reverse mortage.Learn More
Are you a seasoned investor, landlord, or a homeowner looking for your next investment? We offer commercial loan options for every type of investor – big and small.Learn More
FILTER LOANS BY TYPE
Available to Army, Navy, Air Force, Marines, Reservists & National Guardsmen.Learn More
Zero money down and 100% financing available if you live outside of a metro area.Learn More
Loan options for those who don't fit traditional mold.Learn More
Loan amounts from $417,000 up to $3,000,000. Credit scores as low as 680. As little as 15% down.Learn More
For lower-income buyers who don't have a large down payment saved.Learn More
For low- to moderate-income borrowers. Requires 3% down.Learn More
Low down payments. Low closing costs. Easy credit qualifying.Learn More
FHA 203(k) Loans
Renovations needing 6 months or less. Lower credit scores and down payments.Learn More
Larger renovations needing more than 9 months.Learn More
Renovations needing 6-9 months.Learn More
Loans that reduce the amount you need for a down payment.Learn More
Great for clients with established credit, stable income, lower DTIs.Learn More
Use the power of a cash offer without needing your own cash.Learn More
A renovation loan option for those who has served our country.Learn More
HOW MUCH WILL MY PAYMENTS BE?
Your payment will vary depending on how much you will be borrowing, the interest rate, and the length of your loan. Other factors also need to be taken into consideration, such as your taxes, your insurance, and your PMI, all of which are included in your monthly house payment. Even the value of your home will affect your payment.
Just as an example, let’s say you are borrowing $250,000.00 for 30 years with an interest rate of 5.875%. If the value of your home is $300,000, your property taxes are $3,000 per year, and your insurance is $1,500 per year, then you can expect to be making a total payment of $1,958.01. This is because you need to pay $1,478.84 toward the actual loan, plus $250.00 for real estate taxes and $125.00 toward insurance.
Since your loan to value ratio is 83.33%, you will also have to pay PMI for 16 months which will add an extra $104.17 a month. Don’t forget to drop the PMI when the 16 months is complete and you might save yourself some money each month. Canceling your PMI will require a reappraisal of your home in most cases.