Conventional loans are mortgages that are not covered by any government program of insurance or guarantee. Such loans may be eligible for purchase by the major secondary market agencies Fannie Mae and Freddie Mac which offer standardized underwriting guidelines for conforming loan amounts up to $417,000. These loans can carry fixed or variable (ARM) rates and a variety of repayment terms that can be tailored to your individual needs. Generally, these loans do not have prepayment penalties.

Offer is subject to credit approval.

FHA loans are ideal for first-time home buyers and those low- to moderate-income borrowers. Loans are insured by the Federal Housing Administration. Each area of the country has a designated maximum loan amount, generally a per county limit except in high cost-of-living areas as determined by the Department of Housing and Urban Development (HUD). These loans can also be fixed or adjustable rate.

Offer is subject to credit approval.

Available to individuals who have served or are currently in the U.S. armed forces that meet eligibility requirements, VA mortgages may be provided with no down payment requirement, making them ideal for first-time borrowers. Loan amounts may be as much as $417,000 with full entitlement. Loans are assumable with release of liability and there are no penalties for prepayment.

Offer is subject to credit approval.

Available on FHA, VA and Conventional Loans.

An Adjustable Rate Mortgage (ARM) features a variable interest rate which is periodically adjusted.

ARMs may provide the security, flexibility and affordability prospective home buyers desire. These loans are especially attractive to home buyers who plan to trade up in future years. Generally, initial interest rates are lower than on fixed rate mortgages.

Offer is subject to credit approval.

If the anticipated amount of your mortgage loan exceeds the maximum amounts permitted by other programs, we offer a variety of mortgage options which will meet your needs. So-called non-conforming jumbo loans may be up to $1.0 million and can be either fixed or adjustable rate mortgages. Underwriting guidelines may vary depending on program selected, down payment and actual loan amount. Repayment options also vary, enabling you to select a mortgage that fits your budget.

Offer is subject to credit approval.

We have the ideal mortgage program for new construction: our Extended Lock mortgage. It's available for conventional, FHA and VA fixed-rate loans. We'll lock in your interest rate for a maximum of 170 days while your new home is being constructed. When your home is completed, and it's time to close the mortgage, you'll get the original interest rate you locked in, even if interest rates have gone up since then.

Lock in peace of mind with our New Construction Extended Lock Program.

Offer is subject to credit approval.