Our Loan Programs

USDA loan


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Location, Location, Location

With a USDA loan, it’s all about location. Properties that fall within certain areas deemed rural by the U.S. Department of Agriculture may qualify, if borrowers meet certain income limits. These limits differ by county.

FHA loans

FHA Loan

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Up-Front Savings

Insured by the federal government, FHA loans help buyers save with up-front costs through lower down payments and secured interest rates. These loans carry mortgage insurance throughout the full term.

Conventional loans


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You Have Options

Conventional loans are our most popular for a reason. They can be used to purchase or refinance a home, borrowers can opt for fixed or adjustable interest rates, and the minimum down payment is 5%. A 3% down payment option exists for first-time homebuyers and other qualifying borrowers.

DPA loans

DPA Loans

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Help With Down Payments

Got all your ducks in a row, except the down payment? Don’t write off homeownership yet. We strive to help with various forms of down payment assistance — you have options.

VA loans

VA Loan

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Serving Those Who’ve Served

Members of the military, National Guard, eligible surviving spouses, veterans and reservists could qualify for loans which are partially guaranteed by the VA. This allows lenders like Open Mortgage to offer special benefits and optimal terms to eligible borrowers.

Rehab loans

Rehab Loans

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Buy & Remodel

Roll the cost of the home and a remodel into a rehab loan, great for turning that fixer-upper into the home of your dreams. There are options for an FHA loan, known as 203 (k), or a conventional homestyle loan.