Loan Programs

Whether you are looking to buy or refinance, we’ve got options. Our professionals are ready to equip you for your home loan journey. 

Conventional Loans

Conventional Loan

Conventional loans come with a variety of options.These include conforming and nonconforming fixed and adjustable rate mortgages.

FHA Loans

FHA Loan

An FHA loan is insured by the Federal Housing Administration.

• Flexible guidelines
• Low down payment options



A USDA loan insured by the U.S. Department of Agriculture.

• No down payment
• Low cost monthly mortgage insurance premiums
• Eligibility: Many areas in Eastern Washington and Northern Idaho are eligible.

Unique Property Loan

Manufactured/Unique Property Loan

Manufactured and Unique Property Loans are secured by unique or nonconforming properties.

• Eligibility: Older manufactured homes, waterfront properties, rural properties, or second homes.

Zero Down Home Loan

0% Down

A loan that makes home ownership possible when you don’t have cash available for a down payment.

• New purchases only
• No down payment required
• No private mortgage insurance required

*Some restrictions apply.

Jumbo Loan

Jumbo Loan

Jumbo loans may be a good option for you if you need a larger loan than the local limit for conforming loans and don’t have the cash flow to put down a larger down payment.

• New purchases only
• 85% LTV or less