Conventional home loans are mortgages that conform to established guidelines for the size of the loan and specific financial situation. Conventional home loans are the most commonly used and most widely known loan types. These home loans are often FIXED-RATE or ADJUSTABLE-RATE MORTGAGES (ARM).

Refinancing a home is a reassessment of your current home loan in order to possibly obtain a better loan term and interest rate. Refinancing your home loan is all about the bottom line: What will it cost and will it make financial sense for you?

FHA home loans are designed for people who want to own a home, but don’t have enough saved up for a conventional loan. You might have to pay a little bit more in the long run because of higher interest rates and mortgage insurance, but this can be an affordable option to buy a your dream home a little bit more quickly.

Veterans Affairs (VA) home loans are mortgages designed to offer long-term financing to eligible veterans (or surviving spouses) of the United States military.

Home equity loans and lines of credit provide homeowners with the financial flexibility to pay for things like renovations, college tuition, credit card debt, and much more.

Jumbo home loans are loans whose amount exceed conforming loan limits set by Fannie Mae and Freddie Mac. A jumbo home loan helps qualifying home buyers purchase a high-priced or luxury home.

High-balance loans are conventional mortgages in which the loan amount exceeds conforming loan limits, but does not exceed loan limits for the high-cost area where the property is located. These loans are for high-cost areas like San Francisco, Los Angeles, San Diego, etc.

Construction finance is a specialized field. Construction loans have special guidelines and include monitoring to ensure timely completion so your repayment can begin promptly.

Remodel and rehab loans allow homeowners or home buyers to finance the purchase or refinance with the renovation of a home through a single mortgage. These programs allow homeowners or home buyers to borrow based on the home’s expected value after the renovations are completed.

Investment properties can be a great way to blend fun vacations with sound investing. Residential investment loans may be for you if you’re dreaming about vacation homeownership near your favorite location or buying a rental home.

Self-employed individuals can qualify for home loans in today’s tougher lending environment. We understand the entrepreneurial spirit of the Northwest and specialize in mortgage loan programs for self-employed borrowers.

U.S. Department of Agriculture (USDA) home loans are special loans designed for eligible properties in rural areas. These home loans provide affordable homeownership opportunities with the benefits of zero down payment and fixed interest rates.

Niche products are less common types of mortgages. We specialize in a variety of niche products and are able to provide options for your unique financial situation.