Loan Programs
Financing Options for Every Stage
From ground-up construction to renovation, purchase, and refinance, Heather will help you compare programs and choose the one that fits your goals.
Specialty
OTC Construction
One-Time Close construction-to-permanent financing covers the land, the build, and your long-term mortgage with a single application and a single closing.
- One application, one approval, one closing
- Can include the purchase of land or use land you already own
- Construction funds are released in draws as work is completed
- Available with conventional and government-backed options
Specialty
FHA 203(k) Renovation
Buy or refinance a property and finance eligible repairs and improvements in one FHA-insured mortgage.
- Purchase or refinance plus renovation costs in one loan
- Limited 203(k) for non-structural updates
- Standard 203(k) for larger or structural projects
- Based on the property’s value after improvements
Purchase and Refinance
Conventional
Conventional loans follow Fannie Mae and Freddie Mac guidelines and offer flexibility for many borrowers.
- Primary residences, second homes, and investment properties
- Fixed-rate and adjustable-rate options
- Mortgage insurance can be removed once eligibility requirements are met
Government-Insured
FHA
FHA loans are insured by the Federal Housing Administration and are designed to make financing more accessible.
- Flexible credit guidelines
- Low down payment options
- Gift funds may be used toward down payment, subject to program rules
Government-Guaranteed
VA
VA loans are guaranteed by the U.S. Department of Veterans Affairs for those who have served.
- For eligible veterans, active-duty service members, and eligible surviving spouses
- No monthly mortgage insurance
- Purchase, refinance, and construction options available
Government-Guaranteed
USDA
USDA Rural Development loans help eligible borrowers finance properties in qualifying rural and suburban areas.
- Property must be in a USDA-eligible area
- Household income limits apply
- Heather can help you check property eligibility
Higher Loan Amounts
Jumbo
Jumbo loans finance amounts above the conforming loan limits set for your county.
- For higher-priced properties
- Fixed-rate and adjustable-rate options
- Underwriting looks at your full financial picture
Existing Mortgage
Refinance
A refinance replaces your current mortgage with a new one that better fits your goals.
- Rate-and-term refinance to change your rate or loan term
- Cash-out refinance to access equity
- Streamline options may be available for existing FHA and VA loans
Not sure which program fits? That is exactly what the first conversation is for. Heather will review your goals and walk you through your options.
All loans subject to credit approval and program eligibility. Programs, rates, and terms subject to change without notice. This is not a commitment to lend.
Find the Right Program
Talk with Heather about your goals and she will help you compare your options.