Loan Programs

Fixed RatesFixed rate conventional home loans are a great option for people planning to stay in their homes for more than seven or eight years as the interest rate remains the same for the entire term of the loan. Fixed rate home loans also offer the flexibility of choosing a 10, 15, 20, 25 or 30-year term. Find out if a fixed rate loan is the best option for you!

ARMsAdjustable Rate Mortgages, (ARMs), are great options for borrowers who plan to stay in their home for less than 3, 5 or 7 years because interest rates can change periodically after the initial fixed-rate period. After this introductory period, monthly payments are susceptible to increases or decreases based on market fluctuations. Learn more about ARM loans

Veteran’s LoansWe are proud to offer special loan programs for Veterans and service members. A VA home loan is a home mortgage loan that’s guaranteed by the US Department of Veterans Affairs (VA). VA loans may be issued by qualified lenders. Read more about Veteran’s Home Loan options.

WHEDAWHEDA (Wisconsin Housing and Economic Development Authority) provides special loan programs to home buyers looking to purchase a home in Wisconsin, called WHEDA loans. WHEDA loans are helpful for lower income families as they offer the lowest monthly mortgage payments, down payment and closing cost assistance, making the home ownership dream accessible for more Wisconsin families. Read more about WHEDA loans

USDAA USDA home loan is available for eligible suburban and rural home buyers. It’s a loan that is 100% no-money down home mortgage loan that is backed by the US Department of Agriculture (USDA). This program was developed to help lenders work with low and moderate income families living primarily in rural areas to make homeownership a reality. Read more about USDA loans.

FHAAn FHA loan is a mortgage that is insured by the Federal Housing Administration. Borrowers with FHA loans pay for mortgage insurance, which protects the lender from a loss if the borrower defaults on the loan. FHA Loans can help people with low credit scores and requires only 3.5% money down. Read more about FHA loans.

Jumbo MortgagesJumbo home loans typically have lower rates than many other mortgage options. Jumbo loans allow buyers to purchase a more expensive home with a loan amount that is above the conforming limit set by the Federal Housing Finance Agency. In most areas the conforming loan limit is $417,000, however, the limit is $625,500 in higher cost areas. Read more…

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