Finding The Right Mortgage

There are many different types of home loans available. The one that’s best for you will depend on your personal financial situation and homeownership goals.

Here are some of the loan options you can consider:


  • Conventional loans have slightly stricter qualification requirements because they aren’t insured by the government. They are a good option for borrowers with stronger credit scores.
  • FHA loans are insured by the Federal Housing Administration. These loans can have more lenient credit score minimums and allow the use of gift money as part of the down payment.
  • VA loans are only available to active service members or veterans, and they’re backed by the Department of Veterans Affairs. These loans often require no down payment.
  • USDA loans are a program of the U.S. Department of Agriculture. These zero down payment home loans are for lower income borrowers who live in rural areas.
  • Jumbo loans are for properties that exceed conforming loan limits. They often times have stricter qualification requirements.


  • Fixed-rate mortgages are popular because the mortgage interest rate doesn’t change over the life of the loan. The rate to which you initially agree will be the rate you keep until either you sell the home, pay off the loan or refinance.
  • Adjustable-rate mortgages typically have low introductory rates that start out fixed, but then can fluctuate upward or downward depending on the market interest rates.


  • A 30-year mortgage is the most common term. Monthly payments are generally smaller, but you’ll pay more interest over the life of the loan.
  • Shorter term loans, like 10- or 15-year mortgages, are also available. You pay less interest, but monthly payments are typically higher. We also offer options, such as 20-year mortgages.

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