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Realize Your Dream
Home Ownership

Why RAS Home Loans?

What are your goals? We are committed to helping you reach them.

Knowledge

We are experienced, local mortgage professionals dedicated to our craft and will guide you through the process with expertise and advice so you get the best loan.

Convenience

Apply online or from your mobile device, upload documents securely, and receive real time milestone updates on your loan progress!

Efficiency

Having a defined and efficient process is one thing, having great people is another. We have both and will work tirelessly to close your loan in a fast, efficient manner.

How Can We Help You Today?

What are your goals? We are committed to helping you reach them.

Purchase

I want to buy a home.

Refinance

I'm ready to refinance.

First Time Buyer

I want to learn about the basics of home buying
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Getting your home loan

Shouldn't Be Complicated

Our App guides you through your mortgage financing and connects you directly ro your loan officer and realtor teams.

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The Right Tools to Help You
Every Step of the Way

Step by Step Guides

An easy way to know your next step

Loan Programs

Learn what loan options are available

Checklist

Keep an eye on your process and stay on track

Glossary

Break down the terms and acronyms that will be used

Mortgage News

Learn about current topics and trends

Personal Chat

Ask questions and learn more to get started

Loan Programs To Fit Your Needs

Conventional Fixed Rate Mortgages (FRM)

Ideal for borrow-customers with a steady income and sufficient down payment, borrow-customers pay the same monthly payment amount (principal and interest payments) over loan’s lifetime. 30-year and 15-year fixed available.

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Conventional Adjustable-Rate Mortgages (ARM)

This type of mortgage carries a fixed rate for a set period of time before adjusting, depending on current market conditions.

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FHA Loans

Good option for first-time homebuyers who may not have saved enough for a large down payment; or have suffered from bankruptcy or foreclosures may qualify for an FHA-backed mortgage.(Insured by the Federal...

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VA Loans

Designed for military veterans, VA loans are mortgages guaranteed by the Department of Veteran Affairs, offering exceptional benefits, including low interest rates and no down payment requirement.

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Jumbo Loans

A loan which is larger than the limits set by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. Because jumbo loans cannot be funded by these two agencies, they usual...

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FHA

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment....

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Down Payment Assistance Program

Down payment assistance (DPA) helps homebuyers with grants or low-interest loans that reduce the amount they need to save for a down payment. There are many DPA programs nationwide and each state, county...

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USDA Loans

Low-interest mortgages with zero down payments designed for low-income Americans who don’t have good enough credit to qualify for traditional mortgages. USDA Loans are also required to buy homes in a...

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Reverse Mortgages

This loan type allows 62 or older senior homeowners with considerable home equity to borrow-customer against the value of their home and receive funds as a lump sum, fixed monthly payment or line of credit, while...

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Explore All Loan Options

Can’t find the loan that fits your needs? Let us help!

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Begin your home loan process today!

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