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Loan types

Options matched to your goals.

Whatever you're financing, there's a right fit. Here's a look at what we offer — your loan officer will help you choose.

Conventional

The most common path for buyers with reliable credit and income. Flexible terms, competitive rates, and as little as 3% down for qualified buyers.

Apply for Conventional
  • As low as 3% down
  • Fixed & adjustable terms
  • No upfront mortgage insurance with 20% down

FHA

Government-backed loans built for first-time and credit-building buyers, with lower down payments and more forgiving qualifying.

Apply for FHA
  • Down payments from 3.5%
  • Flexible credit guidelines
  • Gift funds allowed

VA

Earned by service members, veterans, and eligible spouses — often with zero down and no monthly mortgage insurance.

Apply for VA
  • $0 down for eligible buyers
  • No monthly mortgage insurance
  • Competitive fixed rates

Jumbo

Financing above conforming limits for higher-value homes, with tailored underwriting and strong-credit pricing.

Apply for Jumbo
  • Higher loan amounts
  • Primary, second & investment
  • Tailored underwriting

HELOC

Tap your home equity with a flexible line of credit for renovations, consolidation, or big expenses — draw what you need, when you need it.

Apply for HELOC
  • Borrow against your equity
  • Flexible draw period
  • Interest only on what you use

Refinance

Lower your rate or payment, shorten your term, or convert equity to cash with a refinance that fits your goals.

Apply for Refinance
  • Rate-and-term options
  • Cash-out available
  • Shorten or extend your term

Ready to take the next step?

Let's make your homeownership goals a reality.

Apply Now