Compare Loans

Fixed Rate Loans

  • 30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.

  • Buy a home with as little as 5% down (primary home).

  • Refinance up to 95% of your primary home's value.

  • Monthly payments remain the same for the entire loan term.

Adjustable Rate Loans

  • 3/1, 5/1, and 7/1 ARM's. Monthly payments based on a 30 year repayment schedule.

  • The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.

FHA Loans

  • 3.50% minimum down payment required on purchase.

  • Minimum credit score usually 620.

  • Post-bankruptcy qualifying - 2 years after.

  • Post-foreclosure qualifying - 3 years after.

VA Loans

  • Competitive interest rates that are routinely lower than conventional rates.

  • Sellers can pay up to 6 percent of closing costs and concessions.

  • Higher allowable debt-to-income ratios than for many other loans.

  • Down payment as low as 0%.


Rural Housing Loans
  • 0% minimum down payment required on purchase

  • Minimum credit score 640

  • Lower MI rates than FHA

  • Income/Asset/Location Restrictions

Utah Housing Loans

  • 0% minimum down payment required on purchase

  • Minimum credit score 620

  • Better rates for First time home buyers

  • Income Restrictions

HomePath Loans

  • Must be Fannie Mae owned property

  • 5% down

  • No Mortgage Insurance

Reverse Mortgage Loans

  • Receive payments FROM your loan

  • Be at least 62 years old

  • Own your home

  • Have equity in the house

Jumbo Loans

  • 10% minimum down payment required on purchase

  • LPMI options

  • Loan amounts over $424,100 for most counties

Lender Paid Mortgage Insurance Loans

  • Same requirements as a conventional loan

  • Slightly higher rates than conventional but with no mortgage insurance

  • Better option for those that will live in home less than 8 years.

No Closing Cost Loans

  • Same requirements as original type of loan

  • Slightly higher rate, but with us paying your closing costs

  • Better option for those that will mess with their mortgage again in the next 7 years.

Grant Money Loans

  • *Free* Money from local governments to promote homeownership in certain neighborhoods

  • Income restrictions

  • Property location restrictions

  • Other restrictions - see grant websites for more details

Construction & Lot Loans

  • Build your "Dream Home"

  • 10% of the cost to build down payment for construction

  • 10-30% down on land or lots

  • Construction & One-time close options available.

Doctor Loan

  • Loan Up to $1MM with 0 down

  • Loan Up to $1.5MM with 5% down

  • No PMI

  • Ideal for buyers with student loans, or limited savings.

Investor Cashflow

  • Credit scores as low as 600

  • No Job Needed

  • 40 year interest only option

  • Up to 80% LTV

  • Property can be in name of LLC

Extended Rate Lock Program

Building a home and worried about rising interest rates. We can lock your loan in up to 1 year in advance. We have a very generous float down policy where if rates were to fall during that period of time by .25% or more we can float your rate down for free.