There’s no one-size-fits-all when it comes to home loans — and that’s a good thing! Whether you're buying your first home or upgrading, we’ll help you understand your options and choose the loan that fits your life best.
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The most popular loan option, a fixed-rate mortgage keeps your monthly principal and interest payments the same for the entire life of the loan — no surprises, just stability.
Start with a lower fixed rate for a few years, then your rate adjusts with the market. It’s a smart option if you plan to move or refinance before the rate changes.
Pay just the interest for the first few years — keeping your initial monthly payments low. After that, you'll start paying both interest and principal, which means higher payments later on. Great if you need flexibility upfront and expect your income to grow.
Start with affordable payments that rise each year for the first 5-10 years. Perfect if you’re expecting your income to increase and want a smooth transition to higher payments down the road.
A conventional loan isn’t backed by the government, offering more freedom and fewer restrictions. It’s a great choice for borrowers with solid credit and stable income, giving you more flexibility in your loan terms.
Insured by the Federal Housing Administration (FHA), these loans offer lower mortgage rates and require just a small down payment, making homeownership more accessible for many borrowers.
Guaranteed by the Department of Veterans Affairs, VA loans provide military veterans with outstanding benefits, including low interest rates and no down payment, making it easier to own a home.
Jumbo loans are used to finance properties that go beyond the limits of a conventional loan. While conforming loans are capped at $766,550, jumbo loans offer the flexibility to cover more expensive homes.
