PriorityOne Mortgage offers a wide variety of home loan options. Our friendly and experienced mortgage lending professionals are ready to help you select the right type of mortgage loan for your particular needs.

It's our job to find the right loan solution for you. We'll help you pre-qualify for your loan, so that you'll know just how much of a home you can afford. Plus, we offer very competitive rates and fees. So whether you're shopping for your first home, looking for a larger home, or need to refinance your current home mortgage, call on us.

Conventional Mortgage Loans
A conventional mortgage loan offers the lowest rates to borrowers.

• Our conventional mortgage loans can save you a substantial amount of money in interest charges.
• Customers with good credit history can save money with a lower interest rate offered by a conventional mortgage loan.
• Conventional mortgage loans can be used to finance a home for a variety of financing periods. Additionally, you can structure your mortgage loan term with payments to fit your budget.
• Points (pre-paid interest) are charged to cover loan process expenses. This pre-paid interest essentially reduces the interest rate on your loan, which in turn reduces the monthly loan payment amount.

FHA Mortgage Loans
FHA mortgage loans are ideal for first-time home buyers, offering low down payment requirements and minimal closing costs. These are government-backed mortgage loans supported by the Federal Housing Authority (FHA) and the Department of Housing and Urban Development (HUD).

• FHA loans require limited down payments. Down payments can be in the form of a gift (conventional loan rules do not permit cash gifts to be utilized for down payments).
• Credit requirements are more lenient than conventional mortgage loans - easier approval for customers who may not have a perfect credit history.
• FHA loans are assumable - when you get ready to sell your home, this may make it more attractive to the new buyer.

V.A. Loans
If you are a veteran or active reservist, PriorityOne Mortgage can help with a loan to purchase the home you want. VA loans offer a no down-payment option for purchases, and easy financing for present VA loans.

• Easier credit approval
• Higher debt-to-income ratios allowed, giving you more flexibility in calculating your ability to afford a home.

USDA Rural Development Guaranteed Housing Loan
If the lack of a down payment is preventing you from owning a home, then a USDA Rural Development Guaranteed Housing Loan could be your answer. USDA Rural Development has partnered with PriorityOne Bank to help extend 100% financing opportunities to rural individuals and families. Eligibility is primarily based on adjusted household income and the residential property you wish to purchase being located in a Rural Development eligible area, as well as other criteria. Contact any of our loan officers to determine if you qualify.

• No down payment required
• No monthly mortgage insurance required
• Flexible credit and qualifying guidelines
• No maximum purchase price limit
• Closing costs can come from any source, including gifts
• Repairs and improvements can be included in the loan
• Competitive fixed 30-year rates