programs

 A conventional loan is any mortgage loan that is not insured or guaranteed by the government (such as under Federal Housing Administration, Department of Veterans Affairs, or Department of Agriculture loan programs).  

FHA loans are intended to help people who otherwise might not be able to afford homeownership get into homes. They allow small down payments and are open to borrowers with lower credit scores.

VA loans are backed by the U.S. Department of Veterans Affairs. These loans are a benefit available to those who have served our country.

If you’re eligible, VA loans are an excellent option for home buyers, offering competitive interest rates and requiring no down payment.

 A refinance occurs when the terms of an existing loan, such as interest rates, payment schedules, or other terms, are revised. Borrowers tend to refinance when interest rates fall. Refinancing involves the re-evaluation of a person or business's credit and repayment status.