Conventional / Fixed Rate Mortgage

 A conventional loan is a mortgage loan, which is not insured or guaranteed by any agency of the state or federal government. These fixed rate loans are available in 10, 15, 20 and 30 year terms. 

 FHA Loans are loans insured by the U.S. Department of Housing and Urban Development. FHA loans are a popular choice with first time home buyers and only require 3.5% down.

 Rural development loans are zero down loans insured by the United States Department of Agriculture to promote homeownership in less-dense communities.  

VA loans are guaranteed by the Department of Veterans Affairs and made eligible to veterans, those currently serving in the military, and often have lower down payment requirements.

 Refinancing is an excellent option for anyone who owns a home to explore. Whether you are looking to lower your current interest rate, switch to a shorter or longer term loan, or take cash out from the equity in your home! Refinancing is something that anyone looking for huge monthly savings, or the flexibility that comes with more cash on hand should look into!