Our Mission
Community Lending is here to lend a hand. Whether supporting local heroes in the service, education, and healthcare industries or foundations to help fund immediate issues affecting the local community, we are committed to giving back to the community one household at a time.
Our Promise
Our clients deserve our best efforts as well as our respect and courtesy. It is our goal to provide the best customer experience in the industry. We work towards that goal by treating clients honestly, fairly, answering questions as rapidly and thoroughly as possible, and learning the exact needs of our individual clients. With our dedication, comes our commitment which we are proud to stand behind.
Buying A Home
These days it’s all about getting the “correct” loan for your situation. Together, we will develop a personalized loan that will give you peace of mind and a plan to follow when the speed-bumps in life come along.
Refinancing
The process is simple. The benefits of refinancing include a reduced interest rate and monthly payment, and possibly a plan to help you pay down your balance more quickly or tap into your home’s equity.
What we offer
We take the time to get to know you and your lifestyle and find the loan that’s right fit.
Conventional Home Loan
- Fannie Mae/Freddie Mac
- Competitive Interest Rates
- Flexible Terms
- 3% down option with Freddie Mac Home Possible Advantage and Fannie Mae HomeReady
- Owner Occupied, Second Home & Investment Property
FHA Home Loan
- Most common loan for first-time homebuyers
- Lower down payment
- Credit scores as low as 560 may qualify
- Great for refinancing
VA Home Loan
- 100% financing for qualified Veterans
- No monthly mortgage insurance
- No down payment
- Excellent Rates
- More lenient credit guidelines available for veterans
USDA Home Loan
- True 100% financing
- 30 year fixed rate
- Flexible credit guidelines *Income/Property Eligibility
- Guarantee fee may be financed (2%-3% available)
Jumbo Home Loan
- Loan amount of $453,100+
- Quick turn around
- Fixed and adjustable finance rates available
- Competitive pricing
Specialty Home Loans
- Foreign buyers
- 1-day out of bankruptcy
- 1-day out of foreclosure
- Manufactured/Modular homes
- Non-warrantable condos
- Bank statements
Reverse Mortgage
- For senior homeowners age 62 or older
- Continue to own and live in your home
- Protect against unexpected expenses
- Increase monthly cash flow