Featured services & programs

Traditional loan programs that require at least a 3% down payment and offer competitive interest rates. Full income documentation and fair-to-good credit are necessary.

Offers long term home loans to active duty US Military service members, eligible American Veterans and Reservists or their surviving spouses. Certainty offers reduced fees on VA Loans and even has Veteran Loan Officers on staff that can assist you with your VA Loan.

A short term interim loan for financing the cost of new home construction. The loan is made directly to the borrower and managed by Certainty’s experienced Construction Department.

Programs that offer 100% financing to first time and repeat homebuyers. These low cost, low interest mortgage programs enable more people to invest in their own homes.

USDA programs that provide homeownership opportunities to individuals in qualifying rural areas.

Loan programs that offer financing for loan amounts greater than the conventional or high balance loan limits.

FHA-insured loans require very little cash investment to close and offer more flexibility in calculating household income and payment ratios.

Designed to create opportunities to repair or improve existing homes and increase the value of the home in a single mortgage with low, fully amortized, interest rates.

Loan programs and grants designed to help homebuyers with a portion of, or all of, the down payment required to purchase their new home.

A variable rate mortgage, ARMs typically have a lower initial rate than a fixed-rate mortgage. A cap limits the increases in P&I at each adjustment.

An interest-only loan is a loan in which, for a set term, the borrower pays only the interest on the principal balance, with the principal balance unchanged.

Commonly referred to as a piggyback loan, 80/10/10 eliminates the needs for the borrower to pay private mortgage insurance (PMI).

Home Equity Conversion Loans, for those 62 years of age or older, allow you to convert part of the equity in your home into a non-taxed source of income and avoid any future mortgage payments, giving you the peace of mind that you can live in your home for life, as long as you continue to pay the property taxes and homeowners insurance.

Tackle your high-interest rate debt or remodel your kitchen! Why wait weeks or months on a bank to borrow the money you need? Get your money in just days with our fixed-rate, digital HELOC.

Certainty prides itself on having the products that our customers need. Don’t see the loan program you were looking for? Reach out to us and ask – we’re sure to have a program to fit your needs.