Every borrower’s situation is different, and the right loan type can save you tens of thousands of dollars over the life of your mortgage. As an independent broker, we work with all of these programs — so instead of one bank pushing its own product, you get the loan that actually fits. Here’s a plain-English guide to every residential loan type we offer.
Conventional Loans
The standard path for most buyers with solid credit and a stable income. Conventional loans typically offer the best rates for borrowers with a down payment of 5–20% and credit scores above 620, and once you reach 20% equity, there’s no ongoing mortgage insurance. Read the full conventional loan guide →
FHA Loans
Backed by the Federal Housing Administration, FHA loans open the door for buyers with smaller down payments (as low as 3.5%) or credit that’s still recovering. They’re a favorite of first-time buyers, but repeat buyers can use them too. Read the full FHA guide →
VA Loans
A dedicated path for those who served. Eligible veterans, active-duty service members, and surviving spouses can buy with zero down, no monthly mortgage insurance, and competitive rates. If you’ve earned this benefit, it’s very hard to beat. Read the full VA guide →
USDA Loans
Financing built for rural and suburban buyers. USDA loans offer zero-down financing on homes in eligible areas — and much of Lake County and Northwest Indiana outside the urban core qualifies. Income limits apply, but they’re higher than most people expect. Read the full USDA guide →
Home Equity & Second Mortgages (HELOC)
Already own your home? A home equity line of credit or second mortgage lets you put your equity to work — for renovations, debt consolidation, or a major purchase — without touching the low rate on your first mortgage. Read the full home equity breakdown →
Not Sure Which Fits?
That’s literally our job. One conversation is usually enough to narrow it down — and because we shop multiple lenders across every program above, you’ll see real numbers side by side instead of a single bank’s offer. Talk through your options or start your application.
