Find the Perfect Home Loan Solution

Competitive rates and flexible options for homebuyers and homeowners

Explore Loan Options Get Pre-Approved

Consumer Loan Programs

We offer a variety of loan programs to meet your specific needs

VA Loans

Specially designed loans for veterans, active military members, and eligible spouses with benefits including no down payment and competitive interest rates.

  • No down payment required
  • No private mortgage insurance
  • Competitive interest rates
  • Flexible credit requirements
Learn More About VA Loans

Conventional Loans

Traditional mortgage loans not backed by the government, offering competitive rates and terms for qualified borrowers.

  • Down payments as low as 3%
  • Various term options (15, 20, 30 years)
  • Fixed and adjustable rate options
  • Ideal for primary residences, second homes, or investment properties
Explore Conventional Loan Options

FHA Loans

Government-backed loans with more flexible qualification requirements, perfect for first-time homebuyers or those with limited down payment funds.

  • Down payments as low as 3.5%
  • More flexible credit requirements
  • Lower closing costs
  • Assumable mortgage terms
See If You Qualify for FHA

USDA Loans

Zero down payment loans for eligible rural and suburban homebuyers, backed by the U.S. Department of Agriculture.

  • No down payment required
  • Lower mortgage insurance costs
  • Competitive interest rates
  • Designated for rural and some suburban areas
Check USDA Eligibility

Jumbo Loans

Financing options for high-value properties that exceed conforming loan limits.

  • Higher loan amounts for luxury properties
  • Competitive rates for qualified borrowers
  • Various term options
  • Fixed and adjustable rate options
Learn About Jumbo Loan Options

Refinancing Options

Lower your monthly payments, reduce your term, or access your home\\'s equity with our refinancing solutions.

  • Rate-and-term refinancing
  • Cash-out refinancing
  • FHA and VA streamline options
  • Home equity loans and lines of credit
Explore Refinancing Options

Mortgage Calculator

Estimate your monthly mortgage payments

First-Time Homebuyer Resources

Navigating your first home purchase with confidence

Happy couple receiving keys to new home

Your Journey to Homeownership Starts Here

Buying your first home is an exciting milestone! We\\'re here to guide you through every step, from understanding your budget to closing the deal. Explore our resources designed specifically for first-time buyers.

  • Step-by-step home buying guide
  • Understanding different loan types
  • Tips for improving your credit score
  • Information on down payment assistance programs
Affordability Calculator Speak with a Loan Officer

Frequently Asked Questions

Answers to common questions about consumer loans

Pre-qualification is an initial estimate of how much you might be able to borrow, based on self-reported financial information. Pre-approval is a more formal process where the lender verifies your financial information (income, assets, credit) and provides a conditional commitment for a specific loan amount. Pre-approval carries more weight with sellers.

The required down payment varies significantly depending on the loan type. VA and USDA loans often require 0% down. FHA loans typically require at least 3.5% down. Conventional loans can require as little as 3% down for qualified borrowers, but 20% down is often recommended to avoid Private Mortgage Insurance (PMI).

PMI is insurance required by lenders for conventional loans when the borrower puts down less than 20% of the home\\'s purchase price. It protects the lender in case the borrower defaults on the loan. PMI is typically paid monthly as part of the mortgage payment and can usually be cancelled once the borrower reaches 20% equity in the home.

Several factors influence your mortgage interest rate, including your credit score, loan amount, down payment percentage, loan term (e.g., 15 vs. 30 years), loan type (fixed vs. adjustable), current market conditions, and the lender\\'s specific pricing.

Closing costs are fees associated with finalizing your mortgage loan and transferring ownership of the property. They typically include appraisal fees, title insurance, lender fees (origination, underwriting), recording fees, and prepaid items like property taxes and homeowners insurance. Closing costs usually range from 2% to 5% of the loan amount.

NMLS# 1964550 | Florida License #LO137043