
Conventional Mortgages
We offer:
– 30-year Fixed
– 20-year Fixed
– 15-year Fixed
– 10-year Fixed
A “fixed-rate” mortgage comes with an interest rate that won’t change for the life of your home loan. A “conventional” (conforming) mortgage is a loan that conforms to established guidelines for the size of the loan and your financial situation. Conventional loans may feature lower interest rates and typically range from 10 to 30 years.
Monthly principal and interest payments on a conventional fixed-rate mortgage remain the same for the life of the loan making it an attractive option for borrowers who plan to stay in their home for several years.
Conventional Loan Requirements
Loan Limit: Generally limited to $484,350 for a single-family home, though limits may be higher in regions where home prices are higher. Jumbo loans allow you to exceed the conforming loan limit to borrow for a higher-priced home.
Down Payment: Most conventional loans will require at least 3 percent (and optimally 20 percent or more) as a down payment.
Credit History: Conventional loans are a good choice for borrowers with very good credit, which generally means a FICO score of 640 or higher. There are also established guidelines for income and other personal financial information.
Ready to offer conventional mortgages? Partner with us.

Adjustable-Rate Mortgages (ARM)
We offer:
– 5/1 ARM
– 3/1 ARM
An adjustable-rate mortgage (ARM) is a loan in which the interest rate may change periodically, usually based upon a pre-determined index. The ARM loan may include an initial fixed-rate period that is typically 3 to 10 years. The interest rate then may change (adjust) each year thereafter once the initial fixed-rate period ends. With a 5/1 ARM loan for a 30-year term, your interest rate would be fixed for the initial 5 years and could fluctuate up or down each subsequent year for the next 25 years.
ARM loans generally provide the lowest interest rates and monthly payments during the initial rate period, but rates could increase or decrease once the initial rate expires. While many home buyers prefer the security of a fixed-rate mortgage, an ARM can be a good choice, too – especially if you know you’ll be moving within the next few years.
ARM requirements are generally similar to conventional loan requirements for loans limit, down payment and credit history.
Ready to offer ARM loans? Partner with us.

Government Loans
FHA Loan
An FHA (Federal Housing Administration) loan is a government-backed home mortgage loan with more flexible lending requirements than conventional loans. Because of this, FHA mortgage interest rates may be somewhat higher compared to a conventional mortgage. The buyer will need to pay monthly mortgage insurance premiums, along with their monthly loan payments.
FHA Loan Requirements & Qualifications
Loan Limit: FHA home loans have maximum mortgage limits that vary by state and county.
Down Payment: FHA loan guidelines require a minimum 3.5% down payment.
Property Requirements: FHA loans require that the home being purchased meets certain conditions and is appraised by an FHA-approved appraiser. New FHA loans are available only for homes that will be used as the buyer’s primary residence.
VA Loan
VA loans are home mortgages backed by the Department of Veterans Affairs (VA). Eligible service members and veterans can use a VA loan to buy a home with little or no down payment, or refinance an existing home to get cash out or lower the monthly payment.
VA loans were designed to offset common financial challenges faced by military families and veterans, and to simplify the approval process.
A VA mortgage loan requires little or no money down at closing. Even with no down payment, VA loans do not require mortgage insurance. The VA guarantees a portion of your loan, thereby saving you this monthly expense.
VA Home Loan Eligibility Requirements & Qualifications
For military members to be eligible for a VA loan, you must be an active-duty or former member of the armed forces with at least:
– 90 days of consecutive service during wartime, or
– 181 days of service during peacetime, or
– 6 years of service in the National Guard or reserves.
– Surviving spouses: Spouses of service members who died in the line of duty or as the result of a service-related disability.
– You will need a Certificate of Eligibility from the VA to show that you meet these requirements.
Ready to offer FHA or VA loans? Partner with us.