We offer a full range of conventional home loans which conform to Fannie Mae’s underwriting guidelines. These mortgage loans include loans to purchase or refinance a primary residence, second home, or non-owner occupied home. 

Programs include:

• Fixed Rate
• Fully Amortizing 3/1, 5/1, 7/1, & 10/1 LIBOR ARMS
• Five or Seven Year Balloon
• Flexible 97
• Interest Only Fixed Rate Mortgages
• Interest Only 3/1, 5/1, 7/1, & 10/1 LIBOR ARMS

Primary Residence
Purchasing a primary residence requires a minimum 3% down payment when using a conventional loan. Loan terms range from 10 to 40 years. Mortgage insurance is required if the down payment is less than 20%.