Real Estate Loans

Looking for a new home? Starting new construction? Thinking of buying some bare land? Or, just want to cash out some equity from your current home? We have several lending options available to you. We offer competitive rates on conventional mortgages and construction loans.

And with loan rates at near record lows, there has not been a better time in years to look at purchasing or refinancing. Acting as a broker, we have access to multiple lenders with very competitive secondary market rates. This enables us to more easily find the terms most beneficial to you.

Before you commit to another lender, be sure to stop in and apply with us. If we cannot get you approved or you decide not to pursue the loan, we will pick up the application fee! There is no risk to you! Just fill out our Mortgage Application and drop off at one of our locations. In most cases, we will be able to get you pre-approval that day!

USDA Rural Housing Program

If you are looking to purchase but don't have the necessary down payment that a conventional loan may require, then a Rural Housing Section 502 loan may be the perfect option for you. Section 502 loans are primarily used to help low-income individuals or households purchase homes in rural areas. Applicants for loans may have an income of up to 115% of the median income for the area. Area income limits for this program are here .

Loans are made to individuals for up to 100% of the appraised value of the home. Families must be without adequate housing, but be able to afford the mortgage payments, including taxes and insurance. In addition, applicants must have reasonable credit histories.

Please contact us for further details, we can tell you if a USDA Rural Housing loan is the right option for you.