Mortgage Lending

Mortgage Lending/Refinance



FHA mortgages are a popular home loan option. It allows buyers to qualify with a low down payment and offers flexible underwriting guidelines.  FHA loans are insured by the Federal Housing Administration, an agency of the U.S. Department of Housing and Urban Development (HUD).


If you are a veteran, active-duty service member or spouse of a veteran or service member, you may benefit from the home loan program insured by the U.S. Department of Veterans Affairs (VA). VA mortgage lenders offer an assortment of home loans intended to meet different needs.


USDA mortgages are home loans insured by the U.S. Department of Agriculture and designed to help people with low and moderate incomes buy homes in rural areas. Although you may not consider your location rural, the USDA’s definition of rural is broad, and even includes some suburban areas. You and the property you want may qualify for a USDA loan.

Conventional (30, 20 or 15 year loans)

Conventional mortgages are the plain vanilla of home loans. These loans — in particular, the 30-year fixed-rate conventional mortgage with a substantial down payment —are what most people think of when they think about borrowing to purchase a home.