Mortgage options

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5/5 ARM

Lock in your rate for the first five years with a 5/5 adjustable-rate mortgage (ARM). Then adjusts every five years based on current market rates. This structure provides initial stability, followed by periodic flexibility, making it a good option for borrowers who want lower upfront payments and aren’t planning to stay in the home long-term.

Vacant Land Loan

Financing designed specifically for purchasing undeveloped property—think of it as the first step in turning “just dirt” into your dream build. Since there’s no home on the land (yet!), these loans often come with higher interest rates and down payment requirements. They’re ideal for borrowers planning to build in the future or invest in raw land, offering a path to ownership before construction begins.

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Federal Housing Administration (FHA) Loan

An FHA loan is federally insured by the Federal Housing Administration and designed to help more people become homeowners, especially first-timers. With lower down payment requirements and more flexible credit guidelines, it's a solid option if your credit score isn't perfect or you're working with a smaller budget.

USDA Loan

Backed by the U.S. Department of Agriculture, this loan is designed to help eligible buyers purchase homes in designated rural and suburban areas, with no down payment required and attractive interest rates. It’s a great option if you’re dreaming of more space, a slower pace, and maybe even a little front porch living.

VA Loan

A VA Loan could be the perfect fit if you’re a current or former service member. Backed by the U.S. Department of Veterans Affairs, this loan offers incredible perks like no down payment, competitive interest rates, and no private mortgage insurance (PMI). It’s a special way to honor your service while helping you secure a home that fits your needs.

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Conventional Mortgage Loan

A great choice if you have a solid credit history and can make a down payment. With more flexibility in terms and fewer requirements than some government-backed loans, it’s a straightforward option for both first-time buyers and those looking to refinance.

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Construction Loan

A Construction Loan can help turn those blueprints into reality. Designed to cover the costs of building a home, it offers short-term financing with flexible terms—perfect for buyers ready to create something custom, start to finish.

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7/1 ARM

A 7/1 adjustable-rate mortgage offers a fixed interest rate for the first seven years, then adjusts annually based on market conditions. It’s a great option if you want lower initial payments and don’t plan to stay in the home long-term. Flexibility now, options later.