Mortgage Loans

Buying a home is the single largest financial transaction most of us ever make - and we're here to help. We finance primary residences, second homes and investment properties, purchases, refinances and cash-out refinances.

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Conventional, VHDA and FHA first mortgages, including:

  • Conventional, Jumbo and Super Jumbo Fixed Rate programs
  • Conventional, Jumbo and Super Jumbo Adjustable Rate Mortgages (ARMs)
  • No–Income Verification, “No Ratio” and “No Doc” loan programs
  • Interest–only options on many programs
  • Numerous programs to fit your unique needs

Lot Loans and Construction Loans for specialized, short–term financing when you’re planning to build a home. When your project is complete, you are already qualified for a permanent (fixed or adjustable) financing solution with reduced costs.

Bridge or Temporary Loans that offer a short–term financing option by allowing you to use the equity in your existing home to buy a new home without the hassle of waiting.

First–Time Homebuyer’s Program, specifically targeted for first–time homebuyers who have different needs than those who’ve been through the mortgage process before. We offer a variety of loan programs and we’ll walk you through each step.

At StellarOne, you’ll enjoy personal service from application to closing. We’ll also give you the opportunity to pre–qualify at no cost, so you know exactly what you can afford.

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*Minimum income, liquidity, net worth and credit score requirements may apply.