Our wide portfolio of loan programs is designed to meet the varied needs and situations of our clients. We take a lot of pride in taking the time to walk you through each and every option until you can make a confident and informed decision. Here’s a quick look at our most popular programs:
Adjustable Rate Mortgage
An adjustable rate mortgage is one whose rate of interest is adjusted periodically to reflect market conditions. If rates are low or if you only plan on staying in your home for a short time, this is the right loan to consider.
30-Year Fixed Rate
If you’re looking for monthly mortgage payments that stay the same throughout the life of the loan, the 30-year fixed rate mortgage is a great choice.
20/15/10-Year Fixed Rates
Want to own your home outright faster? Consider shorter-term fixed rates that meet your needs and save thousands of dollars in interest payments. As with the 30-Year program, your principle and interest will stay the same throughout the life of the loan. The shorter the term, the more money you will save.
An FHA loan gives you a government-insured loan with flexible choices. You may opt for the security of a fixed rate or the versatility of an FHA 5-year Adjustable Rate Mortgage.
Unlike other options, VA loans are available at either a fixed-rate or as ARM mortgages – and never include monthly insurance (PMI). A VA loan is guaranteed by the U.S. Department of Veterans Affairs and is designed to offer long-term financing to eligible American veterans or their surviving spouses.
If you need a loan amount that is above the limits of a conforming loan, a Jumbo loan (aka non-conforming loan) may be your best choice.
The USDA loan program is designed to help provide low- and moderate-income homebuyers the opportunity to purchase safe and sanitary housing in eligible rural areas.
A reverse mortgage or home equity conversion mortgage (HECM) is a special type of home loan that allows older homeowners to defer payments and access part of the home equity they have built up to pay off a mortgage, supplement income or pay for healthcare expenses.