Loan Programs

Which Mortgage is Right for You?

There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we're here to help you choose the best type of home loan for your needs.

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Mortgage Rate Options

 Fixed Rate

 The most common type of loan option, the       traditional fixed-rate mortgage includes monthly   principal and interest payments which never   change during the loan's lifetime.

 Adjustable ARM

 Adjustable-rate mortgages include interest   payments which shift during the loan's term,   depending on current market conditions.   Typically, these loans carry a fixed-i...

 Interest Only

 Interest only mortgages are home loans in which   borrowers make monthly payments solely toward   the interest accruing on the loan, rather than the   principle, for a specif...

 Graduated Payments

 Graduated Payment Mortgages are loans in   which mortgage payments increase annually   for a predetermined period of time (e.g. five   or ten years) and...


Loan Program Options

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Conventional Loans

A conventional loan is a type of loan that is not insured by the government. Conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.

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FHA Home Loans

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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VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no mortgage insurance ...

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Jumbo Loans

A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The current maximum amount for a conforming loan is $750,000 in...

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NON - QM Loans

A Non-QM loan, or a non-qualified mortgage, is a type of mortgage loan that allows you to qualify based on alternative methods, instead of the traditional income or asset verification required for most loans. Common examples include bank statements or using your assets as income. Other examples might be Non-Warrantable condo financing, No waiting after bankruptcy, DSCR loans and more.......

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Builder Loans

We offer a variety of builder incentives for both local and national builders. We might not be on their list but they might be on our list.  We could potentially save you thousands of dollars by not using the builder's "preferred lender".  If they truly have a better option, we'll be the first to tell you to take it.....

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