Home Purchasing & Refinancing

Mortgage Standards offer various loan products and programs based on your needs. Purchase and refinance mortgages are home loans, but they serve different purposes. A purchase mortgage is a loan used by homebuyers to finance the purchase of a new home, and a refinance mortgage is the process by which homeowners change their mortgage rates and terms.

Purchase Mortgage

A purchase mortgage is a type of loan used by homebuyers to finance the purchase of a new home. Mortgages are not a one-size-fits-all product. Several programs are available, but determining the best one depends on the buyer's financial situation and property. Mortgage Standards are experts in all mortgage loans and are available to answer questions and find the best loan for your financial goals.


Refinancing is a great way for homeowners to lower their interest rate and monthly payment or cash out some of their property's accumulated equity. Refinancing with Mortgage Standards is quick, simple, and painless. Most homeowners will begin their refinance by meeting with one of our advisors to discuss their goals and qualification parameters.


FHA Loans

FHA Loans are the easiest to obtain. They require a low down payment and a FICO® score, but they can cost you more in the long run because you must pay mortgage insurance. An FHA loan can be obtained from any FHA-approved lender. The Federal Housing Administration (FHA) insures the loans and protects lenders from losses caused by defaulted homeowners.

Conventional Loans
VA Loans
USDA Loans
100% Financing
Home Equity Lines Of Credit
Jumbo Loans
Bank Statement Program Loans