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. *Some restrictions apply.

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.

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


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.