Our team of experienced professionals understands the importance of finding the right financing solution for each of our clients. We offer a wide range of loan products, including fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans, and jumbo loans, and we can customize each loan to meet your unique needs.
Our residential real estate lending team is dedicated to providing exceptional service and support to our clients throughout the lending process. We take a collaborative approach, working closely with borrowers, real estate agents, and other stakeholders to ensure that every transaction is completed smoothly and efficiently.
Whether you’re a first-time homebuyer or a seasoned homeowner, our residential real estate lending division is here to help you achieve your homeownership goals. Contact us today to learn more about our services and how we can help you secure the financing you need to purchase or refinance your home.
- One-Time Close New Construction loan – A single closing construction loan. The construction portion is short-term financing that is modified into permanent financing upon completion of the project.
- HOMEONE®, HOMEREADY®, HOME POSSIBLE®, & FREDDIE MAC BORROWSMART℠ – Conventional financing options
- Federal Housing Administration (FHA) LOAN – Your down payment can be as low as 3.5% of the purchase price. Available on 1–4-unit properties.
- United States Department of Agriculture (USDA) LOAN – Rural development loan option for your borrowers looking for 100% financing.
- Veterans Affairs (VA) LOAN – Servicemembers, Veterans, and eligible surviving spouses. No downpayment is required and no need for Private Mortgage Insurance (PMI).
- BANK STATEMENT LOAN – To better serve self-employed borrowers, the Bank Statement Loans, allow qualified borrowers to be approved by providing personal or business bank statements, instead of income docs or tax transcripts.
- Debt Service Coverage Ratio (DSCR) loan – Perfect for investors looking to expand their real estate portfolio. It allows borrowers to use the market rent of the property to qualify, rather than their current income.
- JUMBO LOAN – Loan amounts start at $1 over the county loan limit. No MI is required. Restricted Stock Unit (RSU) income accepted.
- STANDALONE HOME EQUITY LINE OF CREDIT (HELOC) – A popular option for accessing cash that can be used to pay down debt, make home improvements, cover tuition, and more.
Loan amounts to county loan limits
All fixed term mortgages
1-4 family primary residence
LTV's as high as 80% on primary home and 75% on second home and investment cash-out refinances
Purchase & cash-out refinance
Available on single- and multi-wide, condos and PUDs