Loan Programs

We offer a variety of loan programs to meet your specific needs. We work with the leading lenders in the industry to provide some of the following options.


Conventional loans are the most popular in the United States. They typically offer the lowest rates and best terms available on the market, as long as a borrower meets the guidelines. These loans are underwritten by guidelines set by Fannie Mae and Freddie Mac. These are two separate agencies that purchase the loans once they are finalized. Loan amounts go up to $510,400 across the country and up in higher cost areas.

  • 10, 15, 20, 25 and 30 year fixed rate terms
  • 3% minimum down payment
  • 620 minimum FICO credit score

FHA loans are backed by the Federal Government. They are federally insured loans designed for borrowers with little cash, first time buyers and people that may have credit or income challenges. They are the 2nd most popular loan in the United States. Lane County loan limit of $331,760. 
  • 15 and 30 year fixed rate terms
  • 3.5% minimum down payment
  • 580 minimum FICO credit score
  • Must be primary residence


Jumbo Loans are simply loans that are too large to be considered purchasable by Fannie Mae or Freddie Mac. They typically require 10% down and have a loan amount over $510,400 with interest rates slightly higher than comparable non-jumbo loans.


USDA loans (also known as the Guaranteed Rural Housing program) is a government insured loan that provides rural residents, that have low to moderate income 100% financing. USDA loans provide affordable home ownership opportunities that promotes prosperity, which in turn, creates thriving communities and improves the quality of life in rural areas.
  • 30 year fixed rate term
  • 0% minimum down payment
  • 620 minimum FICO credit score
  • Can’t own other real estate
  • Can’t be an income producing property
  • 1-4 people can make up to $86,850 annually in Lane County
  • 5+ people can make up to $114,650 annually in Lane County
  • Property located outside of city limits

The VA loan is a program established by the Department of Veterans Affairs to provide eligible veterans with available entitlement to obtain financing for a home. You can visit The VA website to obtain specifics about your eligibility.
  • 15, 25 and 30 year fixed rate terms
  • 0% minimum down payment
  • 580 minimum FICO credit score
  • Copy of DD214
  • Request for Certificate of Eligibility form

If you are considering purchasing a new home or refinancing an existing home, a great place to start is with a free, no-obligation consultation. We will be able to tell you in a few minutes which choices might be best for you. We can also quickly pre-approve you free of charge which allows you an upper hand when going to make an offer on a home. To schedule your consultation, call us today.

*This is not an extension to lend credit. Your actual rate, payment and costs could be higher. Get an official loan estimate before choosing a plan. All programs are subject to loan and credit approval. Not all applicants will qualify. Information and / or data is subject to change without notice. Restrictions may apply.