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Loan Programs

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Fixed Rate Mortgages (FRM)

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. The interest rate and the payments stay the same for the duration of the loan.

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Adjustable Rate Mortgages (ARM)

Adjustable-rate mortgages include monthly interest payments which change during the loan’s term, depending on changing market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting. Once the interest rate begins to adjust, it will change periodically, effecting monthly payment totals.

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FHA Loans

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA). These are generally designed for low-to-moderate income borrowers and require a lower minimum down payment and credit scores than many conventional loans.

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VA Loans

A VA loan is a mortgage loan guaranteed by the US Department of Veteran Affairs. These loans offer US military veterans, military members currently serving, reservists, and select surviving spouses exceptional benefits, including low interest rates and no down payment requirement. The purpose of the VA loan is to supply home financing to eligible veterans and help veterans purchase properties with minimal down payment.

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Which loan program is best for you?

Deciding which type of loan is a fit for you depends on a number of variables, and can be overwhelming. Luckily, we are experts at determining just the right fit for your unique needs and goals.

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I was very pleased with my refinance and how easy the process was. They made our dreams come true and we will continue to work with him in the future should we need to.
— Lissie