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.

Category:

Home Buying

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
Home Buying
Posted on October 13, 2025

What Not to Do (and What to Do) After Getting Pre-Approved For a Mortgage

Getting pre-approved is a huge step in your mortgage journey. Once your income, credit, debts and assets have been reviewed and verified, you can rest easy knowing your home loan goals are within reach. One thing to keep in mind, however: Your pre-approval usually lasts only 90 days, and your actions during that time can […]
By Kyle Lyons
Home Buying
Posted on November 19, 2024

Understanding Private Mortgage Insurance

There’s an important number when it comes to home loans: 20%. This is typically the down payment you’ll need to cover to get what’s called a “conventional” mortgage to buy a home. The bank loans you the other 80% of the home’s price, and you pay back that loan over a long period of time […]
By Kyle Lyons
Home Buying
Posted on September 24, 2024

Mortgage Rate Lock vs Floating: Deciding When To Set Your Interest Rate

Picture this: You’ve found the house, the one with the perfect backyard for your future golden retriever and a kitchen that would make Gordon Ramsay weep tears of joy. Time to get pre-approved for a mortgage! Fairly early in the application process, you’ll find you have a choice to make: Whether to float your mortgage rate, or […]
By Kyle Lyons
Home Buying
Posted on August 27, 2024

Why Lower Interest Rates Don’t Always Equal Lower Housing Prices

Let’s start with the good news: Interest rates are already starting to come down a bit, and we’re seeing signals that rates will be coming down even further this year. We’ve previously discussed what factors can affect the interest rate you’ll pay for your home, and while nothing is set in stone, our friends at the […]
By Kyle Lyons
Home Buying
Posted on April 9, 2024

4 Reasons Credit Unions Are Better Than Banks

There’s a lot to love about credit unions! As a CUSO, or Credit Union Service Organization, we’re owned by credit unions and we’ll admit our opinion is a tiny bit biased. We really think the facts back up this opinion, though! Check out this list of 4 great benefits that credit unions offer over a […]
By Kyle Lyons
Home Buying
Posted on April 9, 2024

What’s the Deal with Fixed Rate Mortgages?

Fixed rate mortgages stand as a cornerstone in the world of home financing Offering stability and predictability to homeowners in an often volatile economic landscape, this financial product allows borrowers to lock in an interest rate for the entirety of their loan term, which can range from 10 to 30 years. The allure of a […]
By Mortgage Center
Home Buying
Posted on April 3, 2024

Learn More About the PMI Saver Program

We’ve mentioned before how important it is to figure out where the money to close your mortgage is coming from. Between the closing costs, taxes and insurance, and especially the down payment, coming up with the money to purchase a house can feel like a daunting task. Most people have heard of putting 20% down […]
By Judah David
Home Buying
Posted on March 20, 2024

What Do I Need To Apply For A Mortgage?

Recently, we’ve given prospective homeowners some advice on how to get pre-qualified to start shopping for their next home. That was basically a scrimmage – now it’s time to get ready for the real game. Let’s say you’re ready to apply for an actual mortgage now. You’ve found your home – what’s next? Maybe you […]
By Judah David
Home Buying
Posted on March 5, 2024

What You’ll Need To Get Pre-Approved For a Mortgage

Homeownership has been branded as part of the “American Dream” for decades. Yet, this dream quickly feels like a nightmare for lots of first-time home buyers (or maybe it’s been a decade or three) that don’t know what to expect. It seems like we should cover this part in school or something, but as far […]
By Judah David