Purchase

Our Home Loan Solutions

100% Financing Mortgage

No down payment? No problem. Our 100% Financing Mortgage removes one of the biggest barriers to homeownership. This option is ideal for first-time buyers or anyone ready to move in without waiting to save for a large down payment.

No money down
Local lending decisions
Personalized support from start to finish

Fixed-Rate Mortgages

Prefer predictability? Our Fixed-Rate Mortgages offer peace of mind with a consistent monthly payment throughout the life of the loan. We offer in-house lending, but if it benefits you long term, we also partner with Fannie Mae to find your best fit.

Stable, locked-in rate
Great for long-term planning
Available through Ripco or Fannie Mae

Rural Development Loans

Designed for first-time homebuyers meeting certain income and property guidelines, these loans allow you to purchase a home with no money down in eligible rural areas.

0% down
Backed by Fannie Mae
Payments still made through Ripco

Adjustable Rate Mortgages (ARMs)

Looking for flexibility and a lower initial rate? Our Adjustable Rate Mortgages offer a fixed rate for the first 5, 7, or 10 years, followed by annual adjustments—perfect if you plan to move, refinance, or simply want to take advantage of potential rate changes. An ARM may be a great fit if you’re comfortable with rate changes down the road or if you don’t plan to stay in your home long-term.

Lower initial payments
5/1, 7/1, and 10/1 options available
2% annual adjustment cap for predictability
Full 30-year term

Let’s Make Home Happen

Whether you're buying, refinancing, or exploring your options, we’re here to guide you every step of the way. Get in touch with a Ripco mortgage expert today to learn more or get started.

All rural development loans are financed through Fannie Mae, though your payments go through Ripco.

Inquire about getting pre-approved.