Current Rates Top of Page Conventional Conventional loans are mortgages that are not covered by any government program of insurance or guarantee. Generally, these loans do not have prepayment penalties. Loans are insured by the Federal Housing Administration. These loans can also be fixed or adjustable rate. Current Rates Top of Page VA Available to individuals who have served or are currently in the U.S. armed forces that meet eligibility requirements, VA mortgages may be provided with no down payment requirement, making them ideal for first-time borrowers.
Loans are assumable with release of liability and there are no penalties for prepayment.
Current Rates Top of Page Adjustable Rate Mortgage Available on Jumbo and Conventional Loans. ARMs may provide the security, flexibility and affordability prospective home buyers desire. These loans are especially attractive to home buyers who plan to trade up in future years. Generally, initial interest rates are lower than on fixed rate mortgages. If the anticipated amount of your mortgage loan exceeds the maximum amounts permitted by other programs, we offer a variety of mortgage options which will meet your needs.