This program is ideal for the borrowers who want a stable monthly payment over the life of the loan.  This loan offers predictable payments and protection from rising interest rates.  The borrower can choose a 15, 20, or 30 year term.

This program is for the borrower who is looking to save money over the short-term.  It will allow the borrower a lower initial payment, which enables them to purchase a more expensive home or keep monthly costs down.  The borrower can choose between a one, three, five, seven, or ten-year initial fixed rate on a 30-year loan.

No down payment required.  This program enables borrowers to purchase a home sooner by minimizing the typical amount of funds needed to close.  This program is ideal for borrowers that have good credit and are looking to purchase their first home.

This program allows more borrowers to get approved.  It offers interest rates that are closer to conforming rates and more flexibility in the amount that is required for a down payment.

We specialize in manufactured home loans.  There are both fixed and adjustable-rate mortgages available.  Minimum down payments as low as 5%. Borrower can choose from a 15, 20, or 30 year term.  The manufactured home must be legally classified as real property. (No singlewides.)

One application/one approval process/one set of closing costs.  We offer a one-time close construction loan that saves time, offers convenience and security with no re-qualification process for the permanent mortgage.  The loan automatically converts to a permanent mortgage upon completion of the construction process.  Fixed rate and adjustable-rate permanent mortgages are available.