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Mortgage Loans

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Types of Loans


Conventional Mortgage

  • Down payments between 5% - 20%
  • Used for purchase or refinance of primary, secondary, or investment property
  • No mortgage insurance if 80% LTV or lower
  • Down Payment Assistance Programs



  • 100% purchase financing
  • No PMI
  • Cash out up to 100% of property value



  • Lower credit score requirements
  • Low down payments, 3.5%
  • Down Payment Assistance Programs


USDA/Rural Development

  • Occupy property as primary residence
  • Property address must qualify for financing


Reverse Mortgage

  • Be 62 years of age or older
  • Occupy the property as primary residence
  • Closing costs can be financed into the loan



Local Decision Making

Contact the Mortgage Team at

NMLS: #641284