Taking the step into home ownership is one of the most important financial decisions a person will make in their lifetime. There are many factors to consider when embarking on this venture. Literally hundreds of loan programs are available and it is important to find the one that best fits your long-term personal goals. Our team of Professionals will take the time to learn about your individual needs and recommend a mortgage program that’s best for YOU! Call today or apply online.


FHA – Purchase
  • Fixed and adjustable rate loans available
  • Financing for 1-4 unit properties (must be owner occupied)
  • Requires little money down
  • Seller can pay closing costs
  • No pre-payment penalties
   
FHA – Refinance
  • Cash out refinance/debt consolidation up to 95% of current home value
  • Refinance to lower rate – fixed or adjustable
 
Federal VA – Purchase
  • 100% financing available
  • Fixed or adjustable rate loans available
  • Financing for 1-4 unit properties (must be owner occupied)
  • No minimum loan amount
  • No pre-payment penalties
  • No monthly private mortgage insurance required
   
Federal VA – Refinance
  • Easy, low-cost refinance to a lower interest rate
  • Cash out/debt consolidation refinance up to 90% of current home value
  • No monthly private mortgage insurance
 
State VA
  • 5% down
  • 30 year fixed rate mortgage
  • No private mortgage insurance
 
USDA
  • 100% financing available
  • Closing costs, pre-paid finance charges, and repairs can be rolled into the loan – up to the appraised value of the home
  • No prepayment penalties
  • No private mortgage insurance
  • 30 year fixed rates
  • Must be a primary residence
 
Conventional Programs
  • Minimum 3-5% down
  • Fixed and adjustable rates
  • Flexible terms – 10 – 30 year amortization
  • Purchase or refinance
 
Land Loans
  • Little money down
  • Recreation hunting land
  • Lot loans
 
New Construction
  • Little money down
  • Competitive rates
 
Reverse Mortgage
  • Must be 62+ years old
  • Need equity in current residence
  • No monthly payments!
  • Money available as a line of credit, lump sum payment, or monthly draw
   
 
   
 

 
"Thank you for all of your help getting my mortgage – it was quite an adventure and you made it fun! I look forward to giving you a call to get together when I finally move to Appleton!"
~Jan, New Jersey~

"It meant a lot to us that you kept us informed every step of the way. You made our first-time buying experience a joy to remember. Thank you."
~Tim & Jess, Appleton~

"You are the first person who explained the complicated financial matters in terms the average person could understand. We felt very comfortable in your capable hands. Thanks!"
~Dan & Doreen, Freedom~

"A very big thank you for all the time, care and understanding you put in to make the purchase of our new home possible! I loved working with you. Hope you have time to sit on our porch."
~Dave & Mary, Neenah~
   
We have a loan for every stage of your life! Call us today.