Mortgage Loan Options

There are many reasons to refinance your mortgage. It’s a way to lower your interest rate, shorten your mortgage term and/or switch from a fixed-rate to an adjustable-rate mortgage or vice versa. You can also refinance to consolidate debt.  We help many Aberdeen area borrowers achieve their financial goals through various mortgage refinance options*

*When it comes to refinancing your home loan, you can generally reduce your monthly payment amount; however, total finance charges, may be higher over the life of your mortgage loan.

Our home loan programs include fixed-rate and adjustable-rate mortgages with 10-to-30-year payment options. Fixed-rate mortgages have the same interest rate and payment schedule throughout the life of the loan, whereas adjustable-rate mortgages may fluctuate.  If you are looking for a home loan in Aberdeen, Olympia, Tacoma or other surrounding areas, contact us today!

Consider getting a home renovation loan if you’re planning to buy a house at a lower price point, and you would rather shoulder the cost of fixing it up. You may also consider choosing this loan if you want to quickly gain equity. It covers renovation costs and system updates and installations.

The United States Department of Veterans Affairs established a mortgage loan program for service members, veterans and eligible surviving spouses. Our VA home loans in Aberdeen and surrouding areas come from trusted private lenders. We'll find the most competitive interest rates for you.*

*Closing costs and fees may still apply.

The Federal Housing Administration (FHA) insures mortgage programs for low-to-moderate-income borrowers. FHA loans typically allow lower credit scores and down payments, but are not available for second homes, vacation homes, rentals and investment properties.

The U.S. Department of Agriculture (USDA) features a zero-down mortgage loan option for homeownership in rural areas. You can use a USDA loan to buy or improve your home in the Aberdeen area or other rural designated area in Washington. It’s an accessible home loan with low interest rates and no down payment requirement.*

*Closing costs and fees may still apply.

Conventional mortgage programs aren’t guaranteed by government entities, like the FHA, the VA and the USDA. These programs are ideal for homebuyers with at least a 680 credit score who can pay at least a 20% down payment. Come to us for a conventional mortgage in Aberdeen or surrounding areas.