Explore your loan options.

Choosing a loan doesn't have to be complicated. Explore the loan options available and what differentiates each. By reviewing the key benefits, you'll be able to see which type of mortgage can help you achieve your goals.

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Loan Types
Key Benefit

Fixed Rate

Consistent monthly payments over the life of the loan.

  • Rate and principle payment never increase
  • A variety of terms including 15, 20 and 30 year loans
  • Low down payment options allow you to save money for other goals

Adjustable Rate

Lower initial payments over fixed-rate mortgages.

  • Initial interest rate can be fixed for a period (typically between 3 to 5 years) and variable for the remaining loan term
  • Offers flexibility for buyers who anticipate moving in the near future
Loan Programs

Federal Housing Authority (FHA)

Assists first-time buyers.


Put less money down.

Advantages :

  • Backed by the Federal Housing Authority
  • Requires two kinds of mortgage insurance premiums
  • Qualify with a lower credit score

Veterans Affairs (VA)

Benefits military home buyers and selected spouses.


Qualify with relaxed credit standards.

Advantages :

  • Guaranteed by the Veterans Administration
  • Offers competitive interest rates and no need to pay a mortgage insurance premium
  • No down payment and relaxed credit standards

Get guidance

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