Interested in Obtaining a Mortgage Loan?

Are you looking to purchase a home or refinance your current residence? Are you a first-time buyer, or a senior, long-time homeowner who wants to use the equity you’ve built to fund your retirement?  Do you want to realize your dream of having a vacation home or condo or maybe purchase property for investment? Whatever your situation, you should speak with our experienced mortgage professionals. We can make the entire mortgage process—from selecting the right product, to completing the application, to closing—as fast and simple as possible. And we’re here to help you at any point along the way.

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Conventional Mortgages

  • Fixed-Rate Mortgages
    Our traditional fixed-rate mortgages offer you the peace of mind of knowing that both your interest rate and monthly payments will remain unchanged throughout the life of your loan. Having a consistent payment eliminates surprises to make budgeting easier.
  • Adjustable-Rate Mortgages (ARMs)
    ARMs enable you to start out with a lower payment than a comparable fixed-rate mortgage by keeping the initial rate low for a fixed period of time. Afterwards, the interest rate rises at a pre-determined frequency.  


FHA Mortgages

These Federal Housing Administration-insured loans feature easy qualification, non-stringent credit requirements, and flexible choices, offering both fixed- and adjustable-rate options.



USDA Mortgages

This program, offered by the United States Department of Agriculture, provides low-cost insured home mortgage loans to help low-income individuals or households purchase homes in rural areas. Funds can be used to build, repair, renovate or relocate a home, or to purchase and prepare home sites.



VA Mortgages

  • These mortgages are available exclusively for veterans, members of the military, or surviving spouses of veterans. They enable borrowers with less-than-perfect credit to purchase a home with no down payment or refinance their current residences up to 100%.
  • Both fixed- and adjustable-rate options are available, and they never require mortgage insurance.


Reverse Mortgages

Created for senior homeowners, a reverse mortgage is a loan which is collateralized with a percentage of the home’s equity.  In most cases, the loan does not have to be repaid until the homeowner moves out or passes away. In the case of death, the estate has to repay the balance, either from existing funds or by selling the home. The estate inherits any remaining equity, but is not liable if the home sells for less than the balance of the mortgage. The interest rate on a reverse mortgage may be lower than a conventional mortgage or equity loan, and there are no credit score or income requirements to qualify. Loan proceeds are not taxable.




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