Conventional & Commercial Mortgage Loans

Click Below To Apply Today

Residential and commercial property financing for homeowners, investors, and business owners.

Residential & Commercial Mortgage Financing

We offer comprehensive mortgage solutions for both residential and commercial properties. Traditional residential mortgages help homeowners and investors purchase primary residences, vacation homes, and rental properties. Commercial mortgages provide financing for income-producing real estate and business property purchases.

Whether you're a first-time homebuyer, a veteran, a real estate investor, or a business owner looking to purchase commercial property, we have financing options tailored to your specific needs. Each loan type has unique requirements, benefits, and qualification criteria designed to match different financial situations and investment goals.

Key Benefits

Residential and commercial financing options

Competitive interest rates for all property types

Fixed or adjustable-rate mortgages

Terms from 5 to 30 years

Low down payment programs available

First-time buyer and veteran programs

Investment property financing

Business real estate solutions

Residential & Commercial Loan Options

Conventional Loans

The most popular type of mortgage, available as conforming or non-conforming loans.

As little as 3% down payment

Credit score minimum of 620

Can finance primary, secondary, or investment properties

PMI required if down payment is less than 20%

FHA Loans

Government-backed loans insured by the Federal Housing Administration, ideal for first-time buyers.

Down payment as low as 3.5%

Credit scores as low as 580 accepted

More flexible debt-to-income ratios

Mortgage insurance required for life of loan

VA Loans

Available to eligible veterans, active-duty service members, and surviving spouses.

0% down payment required

No private mortgage insurance (PMI)

Competitive interest rates

Limited closing costs

USDA Loans

Zero-down payment loans for eligible rural and suburban homebuyers.

0% down payment for eligible properties

Lower mortgage insurance costs than FHA

Income limits apply

Property must be in USDA-eligible area

Jumbo Loans

Mortgages that exceed conforming loan limits for high-value properties.

Loan amounts exceeding $806,500

Credit score typically 700+

Down payment of 10-20% required

Competitive rates for qualified borrowers

Commercial Mortgages

Financing for income-producing properties and business real estate purchases.

Loan amounts from $100K to $50M+

Down payment typically 20-30%

Terms from 5 to 25 years

Based on property cash flow and business financials

SBA 504 Loans

Government-backed commercial real estate financing for small businesses.

Down payment as low as 10%

Fixed-rate, long-term financing

For owner-occupied commercial properties

Maximum loan amounts up to $5.5M

Fixed-Rate vs. Adjustable-Rate

Fixed-Rate Mortgage

Interest rate stays the same for the entire loan term, providing stable and predictable monthly payments.

Best for: Long-term homeowners

Adjustable-Rate Mortgage (ARM)

Interest rate can change over time based on market conditions, typically starting with a lower initial rate.

Best for: Short-term homeowners or those planning to refinance

Quick Facts

Down Payment

0% - 20%

Credit Score

580 - 700+

Closing Time

30-45 Days

Loan Terms

10-30 Years

No hard credit pull required