An FHA loan is a government insured home loan with more flexible lending requirements than conventional mortgages. It’s available for homeowners with down payments as low as 3.5%.  The lower credit score requirements may make it a good option for a first-time home buyer or a home buyer needing a lower down payment.

While mortgage insurance can be more costly than a Conventional loan, it could be a great option to get you into your first home

Not necessarily! Many loan options let you buy a home with less than 20% down. With a Conventional loan, you may only need 3-5% down if you’re a first-time homebuyer, though you’ll pay Private Mortgage Insurance (PMI). FHA loans require just 3.5% down and include Mortgage Insurance Premiums (MIP). If you’re a veteran, VA loans offer even lower or no down payment options. Let’s find the best fit for you!

An ARM is a home loan with an interest rate that changes over time based on market conditions. It typically starts with a lower fixed rate for a set period (e.g., 5 years), then adjusts at regular intervals (e.g., annually).

Rates can go up or down, but most ARMs have caps that limit how much they can change. If a cap holds your rate down during one adjustment, the difference may carry over to the next—so your payment could still rise even if rates stay flat.

ARMs can offer savings upfront but may cost more later, depending on interest rate trends and how long you keep the loan.

A pre-qualification is a quick estimate of what you might qualify for based on basic financial info.

A pre-approval goes a step further—we review your credit, income, and assets to give you a conditional commitment for a specific loan amount. While some steps, like the appraisal and title work, still need to be completed, a pre-approval shows sellers you’re a serious buyer.

You always have the option to buy down the interest rate by paying discount points.