Jumbo / Non-Conforming

• 15 and 30 year terms

• Flexible credit qualification

• Refinance up to 80% of your primary home’s value

• Fixed and Adjustable rates offered

Conventional

• 30-, 25-, 20- and 15- year terms are all available with fixed rates

• Credit scores as low as 620 may qualify

• 3, 5 and 7 year adjustable-rate mortgage available

• Refinance up to 80% of your primary home’s value

• Down payments of 5%, 10%, 15% & 20%

VA

• 30-, 20- & 15-year fixed-rate and 5-year ARM loans available

• Refinance up to 100% of your primary home’s value

• No money down options (primary home)

• No monthly PMI (Private Mortgage Insurance)

• Credit scores as low as 640 qualify for VA loans

FHA

• 30-, 25-, 20- and 15-year terms are all available with fixed rates

• Credit scores as low as 640 may qualify 5-year adjustable-rate mortgage available

• Refinance up to 97.5% of your primary home’s value

• Buy a home with as little as 3.5% down (primary home)

USDA

• 104% Financing up to the appraised value

• Minimal Mortgage Insurance

• Flexible credit qualifications

• No loan amount limitations

• Purchase Money Program

THDA

• Low to moderate income homebuyers

• First time homebuyers

• Flexible credit requirements

• Down payment assistance program

• Only fixed rate mortgages