loan options

Moving up? Refinancing? First home? We've got you covered.

You want a loan that’s the best fit with your finances, and that’s what we want for you. Our kind approach includes going over all your options with you, and sticking to everyday language instead of bank-speak.

While you won’t be tested on these later, below are details about our main loan options.
Get a Purchase LoanRefinance My Home

CONVENTIONAL LOANS

If you have a solid credit history, this may be your best choice. In addition to lower interest rate potential, this flexible solution offers a  choice of fixed-rate or adjustable-rate mortgage (ARM) financing with a wide variety of term options.



KEY FEATURES:

  • Buy with just 3% down1 if you have a higher FICO score and bank balance
  • Fixed-rate loans with 10- to 30-year terms
  • Adjustable-rate mortgages (ARMs) with low starter rates available2
  • Minimum 620 FICO scores

FHA* LOANS

A Federal Housing Administration (FHA) loan is insured by the federal government, which imposes less stringent approval guidelines. First-time buyers like FHA loans, as their family members can supply gift funds to help with closing costs.



KEY FEATURES:

  • Down payments as low as 3.5%1
  • Minimum 580 FICO score
  • Great for first-time homebuyers
  • Broader qualification requirements
  • Access to streamline refinancing programs
  • High-balance loans available in some counties

VA LOANS

Created for servicemembers returning home after WWII, VA loans are for military veterans, active servicemembers, surviving spouses and some reservists.  Up to $2 million in funding may be available.



KEY FEATURES:

  • No down payment required with full entitlement3
  • Cash-out and streamlined rate-term refinancing
  • Larger loan amounts available for homes in high-cost areas
  • Minimum 580 FICO credit score

JUMBO LOANS

Moving up to a bigger home, building a luxury custom, or shopping in a high-cost area? Our Jumbo loan program might be the solution! In addition to owner-occupied homes, we offer Jumbo financing for vacation and investment properties.



KEY FEATURES:

  • Loan amounts up to $2 million
  • Minimum 660 FICO score
  • Fixed-rate 15- and 30-year loan terms
  • Available for single-family homes and 2-4 unit properties

USDA LOANS

If you’re buying or refinancing in a rural area (click here to check if a property is zoned rural), you may prefer this loan’s buyer-friendly guidelines. Created for borrowers who may not qualify for conventional loans, USDA loans follow household income restrictions.



KEY FEATURES:

  • No down payment required4
  • Easier credit qualifying guidelines
  • Your home’s seller can help you with closing costs
  • Fixed-rate, 30-year loan terms for easy budgeting