Purchase Loans

Adjustable-Rate Mortgages

Take advantage of lower initial interest rates with our exclusive Adjustable-Rate Mortgage option.

Purchase Loans

Asset Advantage

Use your assets to help qualify for a home loan.

Purchase Loans

Barndominiums

Financing a barndominium is easier than you think with Mortgage Center.

Purchase Loans

Best Score Family Helper Loan

Leverage a family member’s strong credit to help you qualify for better loan terms.

Purchase Loans

Conventional Mortgage Options

A flexible home loan with great rates and terms. Very popular for homebuyers.

Purchase Loans

Doctor Loan

Tailored mortgage program for doctors and medical professionals with flexible terms.

Purchase Loans

Fannie & Freddie Mac Fixed-Rate

Competitive fixed rates backed by Fannie Mae or Freddie Mac — predictable payments for the life of the loan.

Purchase Loans

FHA

Government-backed home loan with flexible credit guidelines and low down payment.

Purchase Loans

Hobby Farm Loan

Mortgage financing for homes with small-scale farming or hobby farm use.

Purchase Loans

Homeready® & Home Possible®

Lower down payments and PMI costs, with more flexibility to fund the purchase of your dream home.

Purchase Loans

Home Renovation Loan

Purchase and renovate your home with one convenient mortgage solution.

Purchase Loans

Jumbo Mortgage

Financing for high-value homes with flexible terms and competitive jumbo mortgage rates.

Purchase Loans

New Start Loan

Second-chance mortgage program for buyers rebuilding their financial future.

Purchase Loans

Non-Warrantable Condo

Mortgage solutions for condos that expand upon traditional lending guidelines.

Purchase Loans

One-Time Close Construction

Finance your build and permanent mortgage with one simple, streamlined construction loan.

Purchase Loans

PMI Saver Loan

Lower or eliminate private mortgage insurance (PMI) costs for greater monthly savings.

Purchase Loans

Right Choice Loan

Low down payment financing for experienced buyers.

Purchase Loans

Veteran Loan

An exclusive VA home loan option for veterans, active-duty service members and eligible military families.

Purchase Loans

Zero Down Payment

Purchase with no down payment and make homeownership more accessible. Perfect for First-time homebuyers.

Refinance Loans

FHA

Simplify your refinance with reduced paperwork.

Refinance Loans

Hobby Farm Loan

Refinance your hobby farm property with flexible loan options designed for unique homes with agricultural use.

Refinance Loans

Max Cash-Out Refinance

Get the most from your home’s equity with a maximum cash-out refinance. Use funds for home improvements, debt consolidation, or major life expenses.

Refinance Loans

Non-Warrantable Condo

Refinance your non-warrantable condo with flexible mortgage options that work for properties outside traditional lending guidelines.

Refinance Loans

One-Time Close Construction

This option can fund construction costs when you already own the land. This option can also pay off an existing land loan, if applicable.

Refinance Loans

PMI Saver Loan

Lower or eliminate PMI costs with our PMI Saver refinance option.

Refinance Loans

Right Choice Loan

Ideal for borrowers who would like expanded qualifying options.

Refinance Loans

Veteran Loan

Saves you money if you’re active military or a veteran by allowing you to put no money down and avoid the cost of mortgage insurance.

Home Equity Loans

Home equity loans are a great way to gain some extra cash for home improvements, debt consolidation, or other big purchases you’re looking to make. Like any loan, it’s important to understand how a home equity loan works before getting one.

Posts by:

Jason Patterson

Home Buying
Posted on April 6, 2026

Things to Know About a Loan Estimate (Beyond the Usual Talking Points)

The Loan Estimate (LE) is more than a stack of numbers, it’s a standardized, legally required snapshot that lets you compare mortgage offers side by side with true clarity. It exists so you don’t have to translate five different forms just to find the best deal. 1) What the Loan Estimate Is (and Isn’t) A […]
By Jason Patterson
Home Buying
Posted on March 9, 2026

Buying a Home This Spring? Here’s What 2026 Buyers Should Know 

Spring has always been “homebuying season,” but 2026 isn’t following old rules. Yes, flowers will bloom, For Sale signs will reappear and open houses will smell mysteriously like cookies, but this year’s market has its own personality.  If you’re planning to buy, understanding this spring matters a whole lot more than memorizing the usual “10 tips for homebuyers.”  Here’s what’s actually worth paying attention to, and […]
By Jason Patterson
Home Buying
Posted on November 10, 2025

Understanding the 15-Day Grace Period for Credit Dings: What It Means for Your Mortgage Journey 

When you’re applying for a mortgage, your credit score matters — but so does how it’s calculated. One of the lesser-known, yet incredibly helpful, features of the credit scoring system is the 15-day grace period for credit inquiries. If you’re shopping for a mortgage, this little window can make a big difference.  Let’s break it down simply, so you can make smart moves without stressing over every […]
By Jason Patterson
Home Buying
Posted on October 21, 2025

FHA vs. Conventional: Which Mortgage Is Right for First-Time Homebuyers? 

Buying your first home is a big deal. When it comes to financing, the alphabet soup of mortgage options can feel like a pop quiz you didn’t study for. Two of the most common mortgage choices are FHA loans and Conventional loans. Both can get you the keys to your first home, but they come […]
By Jason Patterson