With today's interest rates and current market trends being what they are, now might be the right time for you to buy your new home, lower your monthly payments, consolidate your bills, improve your cash flow, or take care of some much needed home improvements. But not all mortgages and refinancing options are created equal, so how can you tell which one is right for your specific situation? We'll help you examine the many choices available and choose the smart, responsible way to get ahead. Our options include:

Fixed Rate Loan
Benefit from the security and stability of a fixed interest rate that will stay the same over the life of your mortgage.

Adjustable Rate Loan
Give yourself a financial edge with an adjustable rate that can give you lower starting monthly payments and possibly help you qualify for a larger mortgage, plus save thousands of dollars over time.

FHA Loans                   

An FHA loan is a mortgage loan that is insured by the Federal Housing Administration, a federal agency. Congress established the FHA in 1934 to help lower income citizens buy a home of their own.  Because of this, there are a number of advantages that an FHA loan can offer.  The biggest advantage is that they don't look at your credit score, instead they are more focused on your employment record and your mortgage payment history over the past twelve months. Almost anyone can qualify as long as they have a reasonable credit history and can afford the monthly mortgage payment. We offer FHA loans to help you with:

By taking the time to understand your current financial picture and future financial goals, your loan officer can help you discern what you're looking for in your loan.

Home Equity Loans Home Equity Lines Home Improvement Debt Consolidation

Refinancing Second Mortgages New Construction Financing

Mortgage Options
Our knowledgeable professionals will also be able to explain the additional terms included with each mortgage, such as lock-in periods, down payment options, amortization, and insurance requirements.

Jumbo and Conventional Mortgages Fixed and Adjustable Rate Mortgages