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REFINANCE

Refinancing means replacing your current mortgage with a new one—in order to secure a lower interest rate, reduce your monthly payment, or adjust your loan term. When you refinance, your new loan pays off the existing one and starts fresh under new terms.

Many homeowners refinance to save money, but it’s important to review your new loan carefully. Even with a lower rate, extending your loan term could increase the total amount you pay over time. Our team is here to guide you through your options and help you determine if refinancing makes sense for your financial goals.

CONVENTIONAL LOAN

A conventional loan is a mortgage not backed by the government. These loans are offered by private lenders and can be a great option if you have good credit and a steady income.​​

Conventional loans often provide:

  • Flexible terms to fit your financial goals

  • Competitive interest rates

  • The option to avoid mortgage insurance with a larger down payment

They’re a solid choice for homebuyers looking for flexibility and control over their loan.

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 VA LOAN

A VA-backed loan is designed to help service members, veterans, and their families purchase a home. While the Department of Veterans Affairs (VA) doesn’t directly provide the loan, it sets the qualifications and guidelines that lenders follow.

VA loans are typically available for primary residences and can offer unique benefits, such as low or no down payment requirements and favorable loan terms, making homeownership more accessible for those who have served.

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FHA LOAN

Looking for a mortgage that’s easier to qualify for? FHA loans are offered by private lenders but insured by the Federal Housing Administration (FHA), making them a great option for many first-time homebuyers.

With an FHA loan, you can:

  • Make a smaller down payment

  • Qualify with a lower credit score

  • Access loan amounts that vary by county

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FHA loans are designed to help more people achieve their dream of homeownership.

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USDA LOAN

Looking to buy, build, or repair a home in a rural area? The USDA Rural Housing Service (RHS) offers programs to help low- to moderate-income homeowners make it happen.

RHS can lend directly to you or guarantee loans through approved lenders, helping turn your homeownership goals into reality—without some of the usual barriers.

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REVERSE MORTGAGE

A reverse mortgage is a special type of loan that allows homeowners aged 62 and older to convert part of their home’s equity into cash. This program, known as a Home Equity Conversion Mortgage (HECM), is insured by the Federal Housing Administration (FHA).

Home equity is the difference between your home’s current market value and the amount you still owe on it. Unlike a traditional mortgage where you make monthly payments to the lender, a reverse mortgage works in reverse — the lender makes payments to you.

Over time, the money you receive and the interest that accrues are added to your loan balance, meaning the amount owed increases as funds are used. It’s important to understand how this affects your home’s equity and future plans, and our team is here to help you explore whether a reverse mortgage is the right fit for your financial goals.

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