Conventional First Mortgages

We understand buying a home can be a daunting experience, but we'll professionally and quickly guide you through the mortgage process so you can move on to more important things, like making memories in your new home. 

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5/5 Adjustable Rate Mortgage (ARM)

Our 5/5 ARM gives you the advantage of an exceptionally low rate guaranteed for the first 5 years. After that, a rate change of no more than 2% happens every 5 years compared to other ARMs that adjust every year. You are guaranteed to save money over the first ten years compared to our standard 30 year financing. Our 5/5 ARM also has reduced closing costs and qualifies for our 90 Days No Payment Program.

Fixed Rate 10 and 15 Year Mortgages

These two mortgages offer shorter terms, lower rates, reduced closing costs and are a great alternative to longer term financing. You can even refinance your existing home loan to pay your mortgage off faster and save thousands. Both qualify for our 90 Days No Payment Program.

90 Days No Payment Program

On our 10 and 15 year fixed rate mortgages, and 5/5 Adjustable Rate Mortgage (ARM), we give you the option to delay your first payment for at least 90 days without any additional fees or interest charges. You can keep those 2 monthly payments in your pocket, use them for furniture or take a vacation. It's your choice. This is an incredible deal that no one else in the area is offering.

Fixed Rate 30 year Mortgages

This option combines the security of having a fixed rate for the full life of the loan and the lower payments associated with long term financing. 

First Time Home Buyer  Program

This program is designed to meet the needs of the first time home buyer (defined by not having owned property in the last three years). No origination fee and a low down payment help keep more money in your pocket.