MORTGAGE LOAN PROGRAMS
Mortgage Solutions for Every Homebuyer
Helping you find the right financing solution—whether you’re buying your first home, building your dream home, refinancing, or investing.
Find the Right Mortgage for Every Stage of Life
Whether you’re buying your first home, upgrading, building, or refinancing, we offer mortgage solutions designed around your goals. Explore the programs below to see which option fits your needs.
CONVENTIONAL LOANS
Flexible financing for first-time buyers, repeat buyers, and investment properties.
✔ Low down payment options
✔ Fixed & adjustable rates
✔ Competitive pricing
FHA LOANS
Low down payment financing designed to make homeownership more accessible.
✔ Low down payment
✔ Flexible credit requirements
✔ Great for first-time buyers
VA LOANS
Exclusive financing for eligible veterans, active-duty service members, and military families.
✔ No down payment for many eligible borrowers
✔ No monthly mortgage insurance
✔ Competitive interest rates
USDA LOANS
100% financing for eligible buyers purchasing homes in qualifying rural areas.
✔ 100% financing for eligible borrowers
✔ Low monthly costs
✔ Rural & suburban locations
JUMBO LOANS
Financing for luxury and higher-priced homes that exceed conventional loan limits.
✔ Higher loan amounts
✔ Luxury homes
✔ Flexible financing options
CONSTRUCTION LOANS
Build your dream home with one convenient construction-to-permanent loan.
✔ Build from the ground up
✔ Flexible construction financing
✔ Local lending expertise
| Loan Program | Down Payment | Best For |
| Conventional Loans | As low as 3% | Most homebuyers |
| FHA Loans | As low as 3.5% | First-time buyers |
| VA Loans | Often 0% | Eligible veterans & military |
| USDA Loans | Often 0% | Eligible rural homebuyers |
| Jumbo Loans | Varies | Higher-priced homes |
| Construction Loans | Varies | Building a new home |
Additional Financing Solutions
DON’T SEE THE PROGRAM YOU ARE LOOKING FOR?
Granite Bank offers a wide range of mortgage solutions. Contact our team, and we’ll help you explore the financing options that best fit your goals.
Not sure which loan is right for you?
We’ll help you compare your options and find the program that best fits your goals.
FREQUENTLY ASKED QUESTIONS
The best loan program depends on your financial situation, down payment, credit profile, and long-term goals. We’ll review your options together and help you choose the financing solution that best fits your needs.
Down payment requirements vary by loan program. Some qualified borrowers may be eligible for low down payment options, while others may qualify for programs that require little or no down payment. We’ll help you explore the options available to you.
Yes! In fact, getting pre-approved before you start shopping is one of the best ways to understand your budget and strengthen your offer when you find the right home.
Every loan is different, but many home purchases close within 30 to 45 days. We’ll keep you informed throughout the process and work to ensure everything stays on track.
You may still have financing options available. Every borrower’s situation is unique, and there are loan programs designed to accommodate different financial circumstances. We encourage you to contact us so we can review your options together.