Loan Products

Why you should choose

We Offer a Variety of Home Loan & Financing Options

Here are just a few of the home loan services we offer. Contact us to help you choose the home loan and the terms that best fit your personal needs today.

Loan Options

  • 30 Year Fixed Rates
  • 15 Year Fixed Rates
  • FHA Loans
  • Interest Only Home Loans
  • Home Equity Lines of Credit
  • Home Loan Refinance Loans
  • and more…

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    Types of Loans

    Conventional Loans

    Conventional loans are mortgage loans offered by non-government sponsored lenders. These loan types include:
    Fixed Rate Loans
    Adjustable Rate Loans (ARMs)
    Combination (Hybrid) Loans
    Balloon Mortgages and Pledge Asset Loans
    Jumbo / Construction Loans
    Reverse Mortgage

    FHA Loan

    FHA mortgage loans are issued by federally qualified lenders and insured by the U.S. Federal Housing Authority, a division of the U.S. Department of Housing and Urban Development.

    FHA loans are an attractive option, especially for first-time homeowners:
    Generally easier to qualify for than conventional loans.
    Lower down payment requirements.
    Cannot exceed statutory loan limits.

    Conforming Loans

    Conforming loans are conventional loans that meet bank-funding criteria set by Fannie Mae (FNMA) and Freddie Mac (FHLMC). Both of these stock-holding companies buy mortgage loans from lending institutions and secure them for resale to the investment community. Every year, form October to October, Fannie Mae and Freddie Mac establish limits on what constitutes a conforming loan in a mean home price.

    Buying back mortgage loans allow these agencies to provide a continuous flow of affordable funding to banks that reinvest their money back into more mortgage loans. Fannie Mae and Freddie Mac only buy loans that are conforming, to repackage into the secondary market – effectively decreasing the demand for non-conforming loans.

    VA Loan

    Designed to offer long-term financing to American veterans, VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice. It is generally easier to qualify for a VA loan than conventional loans.

    Here’s how it works:
    100% financing without private mortgage insurance or 20% second mortgage.
    A VA funding fee of 0 to 3.3% (this fee may be financed) of the loan amount is paid to the VA.
    When purchasing a home, veterans may borrow up to 100% of the sales price or reasonable value of the home, whichever is less.
    When refinancing a home, veterans may borrow up to 90% of reasonable value in order to refinance where state law allows.

    RHS Loan Programs

    The U.S. Department of Agriculture offers a variety of programs to help low to moderate-income individuals living in small towns or rural areas achieve homeownership. The Rural Housing Service (RHS) helps qualifying applicants, who cannot receive credit from other sources, purchase modestly priced homes as their primary residence.

    RHS Loans are an attractive option because:
    Minimal closing cost
    Low or no down payment

    RHS loans can be used toward the purchase and renovation of a previously owned home or a new construction. Families must be able to pay their monthly mortgage, homeowner’s insurance and property taxes.

    We offer more Types of Home Loans to meet your needs. Contact us for help with your home loan.

    What people who have worked with us have to say

    We refinanced our home loan with Secure Choice Home Loans and saved nearly $300,000 in interest payments over the life of the new loan. We’re also on track to pay off the house 13 years sooner.

    Secure Choice Home Loans cut my monthly payments by $1,600 by consolidating my credit card debts and one car payment. [This] raised my FICO score by 70 points and now I qualify for lower rates.