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Updated: Monday, September 1, 2025
Popular Loan Options
Our loan options are designed for different needs and qualifications. Your specific terms will be based on credit score, loan amount, and other factors.
30-Year Fixed
Most Popular
Stable Monthly Payments
Lower Monthly Payments
Predictable & Stable
Fast Payoff
15-Year Fixed
Save More
Build Equity Faster
Pay Off Faster
Less Total Interest
Adjustable Option
Flexible
Lower Initial Payments
Start Lower
Adjusts Over Time
Government Loan Programs
FHA Loans
3.5% Down
Lower Credit OK
Down Payment: 3.5%
Credit Score: 580+
VA Loans
$0 Down
For Veterans
Down Payment: 0%
No PMI Required
USDA Loans
$0 Down
Rural Areas
Down Payment: 0%
Rural Areas Only
What Affects Your Approval
Credit Score
Higher scores improve approval chances and terms
Down Payment
Larger down payments can improve your loan terms
Loan Term
Choose terms that fit your budget and goals
Debt-to-Income Ratio
Lower ratios demonstrate better financial health
Payment Calculator
Estimate your monthly payment
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*Loan options and terms shown are for qualified borrowers and may not reflect your actual approval. Your specific terms will be determined based on your credit profile, loan amount, loan term, and other factors. All loans subject to credit approval. Equal Housing Lender.
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