Every homebuyer’s journey is different—and so are the loans that can help you get there.
Whether you’re buying your first home, building from the ground up, settling into a rural property, or upgrading to your forever home, we have options to fit your goals. From low and no down payment programs to flexible credit requirements and competitive rates, we’ll help you explore the choices and find the mortgage that feels like the perfect fit for you.
Explore your mortgage options
Below are some of the loan programs we offer, each designed to meet different needs, budgets, and lifestyles.
Federal Housing Administration (FHA) Loan
Great for buyers with limited savings or credit challenges. Low down payment and flexible qualifying guidelines make homeownership more accessible. Loan limits vary by county.
US Department of Agriculture (USDA) Rural Housing Services (RHS) Loan
Ideal for buyers looking in eligible rural areas. Offers 100% financing, flexible credit requirements, and low mortgage insurance.
Conventional Loan
A strong option for buyers with solid credit. Available with fixed or adjustable rates, down payments as low as 3%, and options to eliminate mortgage insurance.
Construction-to-Permanent Loan
One-time closing for financing a new build. Ideal for clients purchasing land and building new site or system built homes. Offers extended rate lock options and government-backed financing.
Veterans Affairs (VA) Loan
For eligible veterans, active-duty service members, and certain surviving spouses. Features zero down payment*, no income limits, and no mortgage insurance.
*A downpayment is required if the borrower does not have full VA entitlement or when the loan amount exceeds the VA county limits. VA loans subject to individual VA Entitlement amounts and eligibility, qualifying factors such as income and credit guidelines, and property limits.
Rural Farm Loan
Perfect for properties on 5–160 acres, including homes with income-producing land. Eligible for primary residences, barndominiums, and shop homes. Home value must make up at least 30% of the total property value.
Jumbo Loan
For high-value properties exceeding conventional loan limits. Designed for buyers needing larger loan amounts with competitive terms.
State-sponsored programs
There are a variety of programs for first-time and repeat homebuyer assistance with lower down payments and flexible credit score requirements. Available in all states where we lend.