Mortgage Products

Most common mortgage type

Monthly principal and interest payments on a conventional fixed-rate mortgage remain the same for the life of the loan

May offer the best fixed rates

Less documentation

Mortgage options for eligible active Military, Veteran, Reservist, or National Guard

100% financing available for purchases or refinances

Financing for manufactured homes available

100% financing

Low interest rates and low mortgage insurance

Gifts from related persons and other sources of funds permitted for down payment and closing costs

Seller can assist with up to 6% of purchase price towards closing costs

Income limitations apply

Government loan program with more flexible qualification criteria than conventional loans

Maximum loan-to-value 96.5%

Gifts from related persons and other sources of funds permitted for down payment and closing costs

Seller can assist with up to 6% of purchase price towards closing costs

Financing for manufactured homes available

Low interest rates

Principal residence only

Purchase price and income limitations

Conventional No Mortgage Insurance Program

Conventional with Mortgage Insurance Program

• Federal Housing Authority (FHA)

• Veterans Administration (VA)

• Rural Housing Service (RHS)

• Home Buyer Tax Credit

• Mortgage Revenue Board (MRB) Special Funding

Affordable solution for First-Time and Repeat Buyers

Purchase and no cash-out refinances

Low-to-Moderate income borrowers

Families in underserved areas

Maximum loan-to-value 97%

Eligible annual income up to 100% of area median income or higher in high-cost designated area and no income limit in underserved areas

Gifts from related persons and other sources of funds permitted for down payment and closing cost