Ready To Purchase A

NEED A HOME MORTGAGE LOAN?

We’re here to help make the process simple, so you can begin creating memories in your new home.

I'M A FIRST-TIME HOMEBUYER

You likely have many questions: What can you afford? What should you be doing to prepare? Are there special mortgage loans for you?

I'M BUYING A VACATION PROPERTY

Financing a vacation home is different than financing your primary residence. We know this because we’ve helped many borrowers finance vacation homes all over the country.

I'M BUYING A HOME

There is a lot to consider when buying a new home, or moving from one home to another. The good news is, we will help make it easy.

I'M PURCHASING AN INVESTMENT PROPERTY

Investing in residential property can be a great way to build equity and generate additional income. We can offer you competitive financing.

Documents Required For Purchasing

Signed Purchase Agreement

Signed by all parties – buyers and sellers.

Asset Information

Statements from various accounts where you have cash or investments.

Proof of Recent Income

Most recent 30 days of pay stubs showing year-to-date income.

Tax Returns

To verify past income history.

Deposit Check

Both front and back of the cleared check.

Driver's License

Well, because we need a pretty picture of you.

Our Most Popular Loans

FHA

The Federal Housing Administration (FHA) loan program offers a great opportunity for buyers with less-than-perfect credit to get into a home or refinance their current home. FHA-insured loans allow consumers with lower credit scores, a smaller down payment, and higher debt-to-income ratios to qualify.

Conventional

Those with good credit and the funds for a larger down payment may be better served by a conventional loan. Borrowers can avoid paying the upfront mortgage insurance and possibly the monthly mortgage insurance of an FHA loan. Plus, conventional loans do not require private mortgage insurance (PMI) if you have 20% or more to put down.

VA

Active or retired military? You may qualify for 100% financing with a VA loan guaranteed by the U. S. Department of Veterans Affairs—and you won’t need mortgage insurance. We’ve helped thousands of Veterans, active service members, and their families take advantage of their earned VA benefits so they can buy or refinance homes with little or no money down.

USDA RD

Borrowers looking to buy or refinance a home in eligible rural areas may qualify for a USDA Rural Development (RD) guaranteed mortgage with no down payment and zero out-of-pocket costs. These loans were specifically designed for low- and moderate-income borrowers in designated rural areas. Income and other restrictions may apply.