Mortgage Solutions
Loan Programs for Every Path Home
From first-time buyers to seasoned homeowners, we have a loan that fits your situation — with guidance every step of the way.
Your first step toward home ownership
Purchase Loans
Buying a home is one of the biggest decisions you'll make. We'll walk you through the entire process — from pre-approval to closing — with clear communication and no surprises. We work with buyers at every stage, from first-timers to seasoned homeowners.
- Pre-approval in as little as 24 hours
- Competitive fixed and adjustable rates
- Guidance from application to closing day
- Conventional loan options available
Make your mortgage work harder for you
Refinance
Whether you want to lower your monthly payment, shorten your loan term, or access your home's equity, refinancing can be a powerful financial tool. We'll help you understand your options and find the right refinance strategy for your goals.
- Rate-and-term refinance options
- Cash-out refinance available
- Streamline refinance for eligible borrowers
- No-cost refinance options
Flexible financing for first-time buyers
FHA Loans
FHA loans are government-backed mortgages designed to make homeownership more accessible. With lower down payment requirements and more flexible credit guidelines, FHA loans are a great option for first-time buyers or those rebuilding their credit.
- Down payments as low as 3.5%
- More flexible credit score requirements
- Competitive interest rates
- Available for primary residences
Honoring those who served
VA Loans
VA loans are one of the most powerful benefits available to eligible veterans, active-duty service members, and surviving spouses. We're proud to help our military community access the home financing they've earned — with no down payment required in most cases.
- No down payment required for eligible borrowers
- No private mortgage insurance (PMI)
- Competitive interest rates
- Streamlined VA IRRRL refinance available
Financing for higher-value properties
Jumbo Loans
For home purchases that exceed conventional loan limits, jumbo loans provide the financing you need. We offer competitive jumbo rates with the same personalized service you'd expect from a local lender — no big-bank runaround.
- Loan amounts above conforming limits
- Fixed and adjustable rate options
- Primary, second home, and investment properties
- Personalized underwriting review
The Process
How It Works
Getting a mortgage doesn't have to be complicated. Here's what to expect when you work with AVR.
Apply & Get Pre-Approved
Start with a simple application. We'll review your finances and issue a pre-approval letter — usually within 24 hours.
Choose Your Loan
We'll walk you through your options and help you select the loan program that best fits your goals and budget.
Underwriting & Approval
Our team handles the paperwork and works with underwriters to get your loan approved efficiently.
Close & Move In
Sign your documents, get your keys, and start the next chapter. We'll be with you every step of the way.
Not Sure Which Loan Is Right for You?
That's exactly what we're here for. Give us a call or send a message — we'll help you figure out the best path forward.