We know that purchasing a home is one of your largest investments. We strive to make the financing of your home an enjoyable experience by finding financing that best suit your needs. Whether you're buying your first home or simply refinancing the one you have, we have the solution for you!

Pre-Approval

	Fast and easy
	Establish your mortgage needs before shopping for a home
	We'll provide a written commitment—an incentive to sellers when you make a purchase offer

Conventional Mortgages

	Fixed rate mortgage
	Adjustable rate mortgage
	Low down payment option

First Time Home Buyer Loans

Closing cost assistance for qualified buyers

VA Loans

	Local loan approval
	No down payment in most cases
	Ability to add energy efficiency improvement to loan
	No PMI
	Can be used with First Home Program
	Reservists/National Guard eligible

Construction and Lot Loans

	Low rates
	Flexible Terms
	Multiple advance allowing interest to accrue only on the amount advanced

Whether you are buying, building, relocating, or refinancing, we've got a home mortgage loan to meet your needs.
	Investment Property Loan
	Relocation Loan
	Vacation and Second Home Loans
	City, State and Federal Grants and Loans
	Privately Insured Loans
	Jumbo Loans
	Equity Loans
	Condominium Loans
	Bridge Loans
	Rural Housing Loans

Documents to bring to your Loan Application
	Copy of your purchase agreement signed by all parties
	Copy of the earnest money check you gave to your realtor
	Most recent two years' W-2 forms
	Original pay stubs for the most recent 30 day period showing YTD earnings
	Most recent three month's bank statements (and brokerage, investment statements, etc., if these funds will be used for down payment)
	Proof of other sources of income as necessary (pension, social security, etc.)
	Name, address and phone number for landlord(s) for the past two years.