In-house five(5) year balloon note: This is a conventional loan. The maximum amortization is thirty(30) years. It requires 20% down and a credit score of 640.

Construction: Short term loan to cover the building of a new home as a primary residence.

Home Equity Lines of Credit: Use the equity in your home to make home improvements, consolidate high-interest debt, or have emergency funds available.

Land: Purchase a piece of land with no residence on it prior to construction of a primary residence.

Secondary Market options:

• FHA: This loan is insured by the Federal Housing Administration (FHA) and can be beneficial to first time home buyers. It requires a lower down payment (as low as 3.5% of the purchase price).
• VA: No down payment required. This program helps veterans finance a home with favorable loan terms at a typically lower interest rate than on other types of mortgages.
• USDA: This loan is backed by the federal government for low to moderate-income homebuyers wanting to purchase a home in a rural area. Up to 100% financing on the appraised value of a home.
• Conventional: This is not insured or guaranteed by the federal or state government. Minimum of 5% down payment and a fixed rate for up to thirty years.