HOME LOAN PROGRAMS Finding a great home loan involves careful consideration of your needs, finances and history. We are here to guide you and provide you customized options to purchase your dream home. Learn More PurchaseVAVA Loans offer flexible options and zero down payment as either fixed-rate or ARM mortgages for military veterans. FHAAn FHA loan provides a government-insured loan with low downpayment and flexible approval structure. ConventionalCan be utilized as fixed rate or ARM rates and can offer some of the best rates. DCM First-Time Buyer ProgramOur very popular loan program for first time home buyers really give them a leg up in buying their first home. DCM Veteran-First Responder ProgramA Home Buying program made just for our service members to get you into the home you deserve. RefinanceRefinanceMortgage refinancing to cash-out your equity or procure a lower rate on your loan.