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Tasting Wine & Loan Design Article
Tasting Wine & Loan DesignA good wine has a smooth finish just like closing your loan with a local lender. Other similarities? Taste in wine is unique to each individual, just like your loan. No two customers are the same, just like no two vintag...
What are Points and Should You Pay Them? Article
What are Points and Should You Pay Them?Mortgage points, also known as points or discount points, are optional fees that you pay to the lender to lower the interest rate on your loan. While you will pay more upfront with points, you will pay les...
Employee Spotlight: Lauren Sullivan Article
We sat down with Lauren Sullivan for this month’s Employee Spotlight! Lauren radiates positive energy and can make anyone laugh with her witty humor. She’s the real deal when it comes to finding purpose after college and has paved her own...
Don’t Let Student Loan Debt Hold you Back from your Homebuying Dreams Article
If you recently graduated from college, chances are you have some student debt. But that doesn’t mean you have to let your debt get in the way of #lifegoals, like buying a house. You might feel like your student loan debt is taking over your li...
Renovation Loans Loan Product
FHA and Conventional options availableFinance minor or major renovationsFor purchase or refinanceFHA options for as little as 3.5 percent downFinance the purchase and renovation in one loan
What’s Hot and What’s Not When it Comes to Your Home Financing? Article
What’s Hot and What’s Not When it Comes to Your Home Financing? What’s hot? Getting pre-approved for a mortgage from your local lender.What’s not? Waiting until you’ve put an offer in on a home to get pre-approved. A pre-approval will help you d...
VHDA Introduces New Homeownership Program Article
VHDA Introduces New Homeownership ProgramIn an effort to offer down payment assistance to more homebuyers, the VHDA has created a new second mortgage program, known as the VDHA Plus Second Mortgage. The program, which went into effect August 15, repl...
Could You Qualify for Downpayment Assistance? Article
Could You Qualify for Downpayment Assistance?Are you having trouble saving up enough money for a downpayment? You’re not alone.In fact, saving for a down payment is the largest obstacle to homeownership, according to a recent Zillow Housing Aspiratio...
Congratulations to our 2022 Scotsman Guide Top Originators Article
For the last 12 years, Scotsman Guide has ranked thousands of the nation's top-producing residential mortgage originators. This list has become a national benchmark for the mortgage industry. We are proud to announce that the following Towne Loan...
How Much Downpayment Do I Need to Buy a Home? Article
How Much Downpayment Do I Need to Buy a Home?Coming up with enough cash for a downpayment is one of the most common struggles among first-time buyers. But did you know that in most cases, you don’t need to put 20% down on a home, especially you...
Refinance Process Page
Step 1: Identify objectives – What would you like to achieve from refinancing your home? Lowering your current interest rate or gaining additional cash for home renovations, investments or life events could all be reasons to refinance.Step...
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First-Time Home Buyer Page
We've compiled these helpful tools and resources to get you started on the mortgage process.
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Construction Loans Page
With a wide variety of construction and renovation products, our goal is to help streamline the building process, leaving you comfortable and confident throughout your entire journey.
USDA Loan Product
Up to 100% financing availableFor moderate-income familiesFlexible credit guidelinesSeller can pay borrower closing costs