Conventional Loans
The bedrock of home financing. Ideal for borrowers with strong credit looking for flexible terms and competitive rates.
Learn More →Planting roots in a place of your own.
Whether you're buying your first home or your forever home, we offer a carefully curated selection of financing options designed to provide stability and room to grow.
Choose your structure
Fixed certainty or ARM flexibility.
Every purchase path can be shaped around how long you'll stay and how you want the payment to behave - steady for the long hold, or a lower start when plans may shift.
Predictable payment, steady roots.
Lock principal and interest for the term so budgeting stays calm - ideal when you're buying a home you plan to keep.
- Payment stability year after year
- Clear long-term cost picture
- Strong fit for lasting primary homes
Lower start, flexible horizon.
Begin with a lower introductory rate - useful if you may move, refinance, or grow into a larger payment before adjustment.
- Often lower initial rate
- Fits shorter hold timelines
- Adjustment risk mapped before you choose
Purchase path
Compare Fixed vs ARM →
Structure follows the loan type.
Conventional, FHA, VA, USDA, and jumbo each pair differently with Fixed or ARM - we'll match both to your down payment, credit, and timeline.
The Pre-Approval Advantage.
Shop with real numbers, not guesswork. A Fig Tree pre-approval gives you a clear budget and a loan officer who already knows your file before you write an offer.
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Clear buying power
Know what you can comfortably afford so offers land with confidence - and sellers take you seriously.
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Faster path to close
Docs and conditions start early - so underwriting does not become a scramble after you go under contract.
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One loan officer throughout
No handoffs. The same person who pre-approves you stays with the file through closing day.
From first talk to keys
A clearer path to putting down roots.
Purchase isn't a maze when someone stays with your file. Here's how we move from conversation to closing - without the handoffs.
Listen & match
Goals, credit, down payment, and timeline - we map the loan type that actually fits before you shop.
Pre-approve with real numbers
A clear budget and letter so you can write offers with confidence, not guesswork.
Underwrite the file
Docs, conditions, and communication stay with one loan officer who already knows your story.
Close & settle in
Final numbers, clear next steps, and a handoff that feels like the end of a partnership - not a surprise.
Ready when you are
Ready to put down roots?
Tell us where you are - first home, move-up, or VA path - and we'll point you to the right purchase program with clear numbers.