Find the loan to fit your life
Select from hundreds of loan products tailored to your needs
Lisa Emmerson
Loan Officer
NMLS# 198601
Building trust, one borrower at a time.
Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.
About me
Let's find the right home loan for you
We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.
Conventional
A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don't have a large down payment saved up though, don't worry. We have Conventional loan options for down payments as low as 3%.
FHA
If you're looking to buy on a tight budget, these loans are a great option. It's easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They're also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.
Jumbo loans
Jumbo loans offer larger loan amounts than most other loan programs. These loans are a great option if you're looking to buy a more expensive home and have a great credit score and strong financial situation.
USDA
Are you purchasing a rural property? A USDA loan is a great fit. Enjoy lower interest rates with no down payment. These loans are best suited for homebuyers with moderate to low income and are offered to rural property owners through the U.S. Department of Agriculture (USDA).
VA
If you're an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you'll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.
Down payment assistance
If you're purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
Home Equity
Open the door to new possibilities by accessing your home's equity whether it's to afford tuition, renovate, consolidate high-interest debt, purchase a second home or tackle an emergency expense. A home equity line of credit (HELOC*) or home equity loan (HELOAN) can help wherever life takes you.
All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
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Testimonials
The rating and reviews below represent my top reviews. Read all customer reviews here.
4.75 out of 5.0 stars
4.8
Brenda
Oct 4, 2025
The Loan officer Lisa was great to work with and very helpful she made the loan process easy to navigate. ...See more
Aurora
Oct 2, 2025
Lisa went above and beyond for a difficult to approve buyer and she was able to make it happen! The buyer had gone thro...See more
Stephanie
Oct 6, 2025
Lisa was very patient and involved. She provided information in a way that made me understand what I was getting myself ...See more
Alexis
Sept 2, 2025
Lisa was informative, available, and kind especially when we had some last minute changes
NMLS ID #198601
I am authorized to do business in the state of Alaska. Branch NMLS ID 1739971;