your local lender

At Hook & Ladder Lending, we’re dedicated to helping you find the perfect home loan for your needs. With our loan officers helping you from start to finish, you will experience a smooth and stress-free experience. Whether you’re a first-time homebuyer or looking to refinance, we offer a variety of types of home loans designed to meet your unique situation.

  • FHA Loans

    Government back loan with higher debt-to-income ratios. Great option for first time home buyers.

  • Conventional Loans

    The most common type of home loans. Offers lower rates and low downpayment options.

  • VA Loans

    Loan product specifically for veterans and active military members. 0% down options.

  • USDA Loans

    For homes located in an approved rural area defined by USDA, no down payment required.

  • Home Possible®

    Offers low downpayment for low to moderate income buyers or buyers in high-cost or underserved areas.

  • Jumbo Loans

    Made for larger loan amounts that are larger than the loan amounts in standard Conventional guidelines.

  • FHA 203K

    Allows the financing of additional funds into a mortgage for improvements before move in.

  • Refinance

    Allows cash to be taken our of a current property or to improve the terms of a current loan.

  • Investment

    For those looking to finance a property that they don't plan to occupy, and will rent out to others.

  • DPA

    Down Payment Assistance - For individuals needing help with a down payment. Many options!

  • ARM

    Adjustable Rate Mortgage - Interest rate on the note with periodically adjust.

  • Non-QM

    For those who don't qualify for Fannie Mae, Freddie Mac, & FHA Loans.

  • HELOC

    Home Equity Line of Credit - For home improvements, cash, and more. Find the hidden equity in your home.

  • Home Ready

    For low to moderate income borrowers that are creditworthy, with expanded eligibility for financing homes in designated low-income, minority, and disaster-impacted communities.

get started today