FHA & VA Loans

Government-backed loans supporting veterans and buyers with financial constraints.

Woman holding a young girl and smiling on her front lawn

More than a "thank you" for your service

Serving your country shouldn’t be a barrier to homeownership. VA loans can help make that dream a reality.

These government-backed loans require no down payment and no PMI and offer greater flexibility to veterans, servicemembers, and eligible surviving spouses looking to buy or refinance a primary residence.1

A VA loan can pave the way, so you can get back to building the life your service made possible.

FHA Loans

A home should be for everyone

Buying a home shouldn’t feel like scaling Everest. Great for first-time buyers and those on a tight budget, FHA loans are mortgage loans backed by the Federal Housing Administration that require as little as 3.5% down.2

They can offer a path to homeownership for buyers needing to make a smaller down payment or who are in the process of rebuilding their credit.

Because they’re insured by the federal government and pose less of a risk to lenders, FHA loans can be easier to qualify for, removing some of the barriers to owning a home.


Nothing beats advice from a local

Moving is already overwhelming. If you have to ask for advice, better ask someone who knows what they’re talking about.

Our loan experts have years of experience helping people buy homes, especially when it comes to the local housing market.

Mortgage FAQs

There are criteria every borrower must meet to qualify for a mortgage loan with us. This typically includes two years of employment at your job or in the same line of work, a minimum credit score of 620, and verified funds to close on the transaction. Once these boxes are checked, our experts can help you figure out the rest. Loans are subject to credit review.

We use a simple formula to determine your maximum mortgage payment. It adds up to this: your monthly income multiplied by 0.45, minus your liabilities. The resulting number is the highest mortgage payment you may be approved for. From there, you can adjust your search to find the perfect home within your reach.

Figuring out how much home you can afford is a key step in the home-buying process. Start by weighing how much money you have coming in, including your monthly income and any other streams of income (pensions, rental income, investments, etc.), versus how much you have going out to cover costs like student loans, credit card balances, and car payments. Other factors come into play, like how much money you are putting down on the home, property taxes, homeowner’s insurance, and HOA fees that may be associated with the home.

Below is a glossary of terms to help you understand how your home affordability if determined.

  • Debt ratio – This is determined by dividing your monthly debts versus your monthly income. Depending on the mortgage product, your debt ratio can usually not exceed 45-50%.
  • Loan-to-value – The amount of mortgage you are financing versus the appraised value of the home. The higher your down payment, the lower your loan-to-value.
  • PMI – Private mortgage insurance (PMI) is a type of mortgage insurance you are required to buy if you take out a conventional loan with a down payment of less than 20% of the purchase price.

Your credit score is a vital part of determining your mortgage rate and loan amount. A higher credit score could result in a lower rate and lower monthly payment, while a lower credit score could result in a higher rate and higher monthly payment.

You can get started with a pre-qualification process before you begin your search. You’ll know exactly what to expect, the type of monthly payment you’ll have, and the funds you’ll need to close. We know the last thing you need is to find the perfect home and fall in love, only to learn it’s not in your budget.

Our Mortgage Specialists are here to help! You can reach out to any of our local professionals for assistance directly via the phone numbers and email addresses provided on our website.

Learn more about our mortgage options


Fixed-Rate Mortgage

A fixed-rate mortgage offers a stable interest rate for people looking to settle on the right home and stay there awhile.


Adjustable-Rate Mortgage (ARM)

With an adjustable-rate mortgage, you can lock in a low starting rate and choose the option that fits your needs and budget.


Mortgage Loan Refinance

Lower your interest rates or monthly payments, change your loan type, or free up cash with a mortgage loan refinance.


Learning Center

Go beyond banking with resources and news to learn how to make informed financial decisions.


What are ancillary products (and are they really worth it)?

Happy Caucasian couple moving into their new apartment

What is an adjustable-rate mortgage?

Happy blonde girl looking for her new fancy car

How to buy a new car without wrecking your finances


1Subject to credit and property approval. All VA rules, guidelines, and additional program requirements will apply. Ask a Mortgage Representative for details.

2Loan terms subject to credit approval and may vary based on creditworthiness. Additional terms and conditions may apply.