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:

Loan Products

Home Buying
Posted on November 25, 2025

ARM Loans Have Evolved Since 2008: What Homebuyers Should Know

If you’ve been house hunting lately, you’ve probably seen Adjustable-Rate Mortgages (ARMs) making a comeback. For those who lived through the housing crisis of 2008, you might be wondering: Is an ARM still risky? Here’s the good news: Today’s ARMs are nothing like the free-for-all loans that helped fuel the housing crash. In fact, modern […]
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
Loan Products
Posted on April 11, 2024

HomeReady Mortgages: A Great Alternative to FHA Loans

How the HomeReady Loan Program Can Help High home prices have continued to persist, and we can’t blame anyone for starting to feel like the dream of home ownership is starting to slip away. However, there are programs available that are specifically designed to help potential homebuyers deal with the challenges posed by elevated home […]
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 October 5, 2023

When MIGHT mortgage rates start to go down?

Ah, the million-dollar question – “When will mortgage rates go down?” If only I had a crystal ball to answer that. (And hey, if you’ve got one, send it my way.) While I can’t predict the future, what I can offer are some insights. Think of it as your toolkit to be ready for action. 1. Economy […]
By Dani
Home Buying
Posted on November 11, 2022

First-Time Home Buyer’s Guide to Down Payments

Buying your first home is a once-in-a-lifetime experience that takes a lot of research and preparation. One crucial point to consider is your down payment — the sum of money you pay for your home. This amount impacts your mortgage and determines how much home you can afford. However, you may not need to save […]
By Mortgage Center
Home Buying
Posted on April 28, 2022

5 Things to Know About Financing a Fixer-Upper

If you’re looking to buy a home, you have several options. Popular choices are move-in-ready homes and fixer-upper homes. With a move-in-ready home, you can move in right away without making major renovations. On the other hand, a fixer-upper generally requires some major renovations before you can move in. Both options have pros and cons, […]
By Mortgage Center
Home Buying
Posted on April 26, 2022

Beginners Guide to Kitchen Renovation Projects

One of the most common home renovation projects is a kitchen remodel. The kitchen is the heart of the home — where you prepare delicious meals and gather with loved ones. If you’ve been living in your home for a while or you’ve recently purchased a home, you may want to remodel your kitchen. Remodeling […]
By Mortgage Center
Home Buying
Posted on April 19, 2022

How To Finance the Construction of Your Dream Home

Building your dream home is an exciting time. You have the opportunity to customize a home from the ground up, choosing everything from the floor plan to the bathroom tile to the location and truly making your dream home come true! Of course, many people who want to build a home will need a mortgage […]
By Mortgage Center
Home Buying
Posted on June 19, 2020

What you need to know when buying your first home

Purchasing your first home is an exciting time. Whether you’re doing it as an investment into your future or to gain some financial independence, we’ve lined up some helpful tips to make the process even easier. Getting your money right When buying a house, your financial situation is just as important as the location and […]
By Mortgage Center