We are both FHA and VA approved, and  can work with you on a number of different types of property:

Single Family
Town Home
Manufactured (limited)

Below are some of the most common types of loans that we work with.

Fixed Rate Mortgage

A mortgage where the interest rate remains the same through the term of the loan and fully amortizes is known as a fixed rate mortgage.  Since the interest rate remains constant, monthly payments don’t change. Fixed rate mortgages  are available in the following increments:

  • 10 Years
  • 15 Years
  • 20 Years
  • 30 Years

ARM Loan

An adjustable-rate mortgage, or ARM, has an introductory interest rate that lasts a set period of time and adjusts annually thereafter for the remaining time period. After the set time period your interest rate will change and so will your monthly payment.


  • 10/1 ARM: Your interest rate is set for 10 years then adjusts for 20 years.
  • 7/1 ARM: Your interest rate is set for 7 years then adjusts for 23 years.
  • 5/1 ARM: Your interest rate is set for 5 years then adjusts for 25 years.
  • 3/1 ARM: Your interest rate is set for 3 years then adjusts for 27 years.

VA Loans

A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. While the VA does not lend money for VA loans, it backs loans made by private lenders (banks, savings and loans, or mortgage companies) to veterans, active military personnel, and military spouses who qualify. VA loans are designed for military personnel, veterans, and military families. The list of those who are eligible for this home-buying military benefit include:

  • Veterans
  • Active-duty personnel
  • Reserve  members
  • National Guard members
  • Some surviving spouses

FHA Loans

Loans from the Federal Housing Administration (FHA) are popular because they allow you to buy a home with a relatively small down payment. Designed to promote home ownership, FHA loans make it easier to qualify for a mortgage—even with less-than-perfect credit. Let us help you get started with an FHA loan today.

HARP 2.0 Mortgage Relief

The Obama Administration has made it easier for many buyers to obtain financing, as is outlined in the Homeowner Affordability and Stability Plan issued by The White House. You can also read more about the Harp 2.0 Program.
Complete an application to see if you qualify!

Renovation Loans

We offer FHA, VA and Conventional financing that allows you to Purchase or Refinance your home, and use existing or future equity to complete renovations, additions as well as many other changes you may want to make to your home.