Home Purchase

Enjoy our fast and worry-free home loan process, so you can focus on what matters most.

Getting a home loan has never been easier.

Whether this is your first time buying a house, upgrading, or downsizing, we have experts on-hand to walk you through the entire loan process - from application to closing. We take the time to build relationships, not just thinking of people as another client. We get to know each of our customers on a personal level, creating a home loan experience that is unique to every situation. Our experienced staff and low down payment options help make the home buying process easier on you and your pockets.

Pre-Qualification

The first step in the home loan process is to get prequalified.

Here is what you will need to get started:

1 A copy of your driver's license.

2 Copies of W-2 & 1099 forms.

3 Two most recent pay stubs.

4 Two months of bank statements.

5 Tax returns for the last two years.

Every Home Loan is Unique

We have a variety of loan options to choose from.

FHA Loans allow for a down payment as low as 3.5% of the purchase price and work well for buyers with low cash reserves & minor credit issues.

VA Loans may not require a down payment, and are available to qualified US Veterans, active duty, select reservists, and surviving spouses.

Conventional Loans start at 3% down for select programs and areas.

Refinance

It’s not always about a lower interest rate.

Cut your interest rate. Lower your monthly mortgage.

Properly managed, your mortgage is an integral piece of your financial well-being. Whether it’s a lower interest rate, lower payments, or accessing the equity in your home, we’re here to help you make the right decision.

Pre-Qualification

The first step in the home loan process is to get prequalified.

Here is what you will need to get started:

1 A copy of your driver's license.

2 Copies of W-2 & 1099 forms.

3 Two most recent pay stubs.

4 Two months of bank statements.

5 Tax returns for the last two years.

Custom Construction Loans

You have the vision. We have the expertise. Let’s build something great together

Your vision brought to life.

Building a home can be challenging, but our experts have dozens of years of construction experience. From building plans to keys, we have the expertise and loan products to build your dream home. Whether your home needs only minor updates, a major remodel, or you are building from the ground up, we’ve got you covered.

Unique to Construction.

Things needed for construction loans.

Construction projects are similar to other mortgage loans, but they do require a few additional pieces of information. Here are some unique-to-construction documents.

1 Signed contract with your builder.

2 Line item budget.

3 Detailed materials/specifications list.

4 Building plans.

5 Site plan.

Residential Investment

Let us help you build your portfolio.

1-4 Unit Investment Properties.

From seasoned investors to those purchasing their first rental, we’ve financed it. We have a broad range of products to meet your needs.

Multiple Units

Let us get you rocking & renting.

1 Diversify your portfolio.

2 Build equity from multiple sources.

3 Live in one. Rent the others.

Home Equity Line of Credit

Tap your home’s equity with our loans and lines of credit.

Unlock your home's equity potential.

We offer fixed-interest rate & term equity loans and flexible, low-interest rate HELOCs. Contact us to find out how much you might have available, and if an equity product is right for you.

Tap into your home's equity.

Your hard-earned equity in your hands. You've earned it.

Qualifications

Loan-to-Value Ratio

Income

Strong Credit

Debt-to-Income Ratio

Assets

Ready to start your home loan process?
Apply in just minutes.