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30 Year Fixed Rate Mortgage

The traditional 30 year fixed rate mortgage has a monthly principal and interest payment that never changes. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then an Adjustable Rate Mortgage (ARM) may be a wise alternative. Apply Now for a 30 year fixed rate mortgage.

15 Year Fixed Rate Mortgage

This loan has a fixed rate over a 15 year period and features a fixed principal and interest payment. A 15 year mortgage will have a higher payment compared to longer term mortgage but can offer savings of thousands of dollars in interest. Apply Now for a 15 year fixed rate mortgage.

Adjustable Rate Mortgage (ARM)

An Adjustable Rate Mortgage (ARM) has an initial period where the rate is fixed which is typically 3, 5 or 7 years. After this period, the rate may change in response to the interest rate index it is associated with. An example would be the Prime Rate. ARMs usually start with better rates than fixed rate mortgages, in order to compensate the borrower for the additional risk that future interest rate fluctuations will create.

FHA Loan

FHA loans are designed to make it easier to qualify for home financing. Historically, the FHA allows some of the most liberal lending standards in the market and is often a good fit for first time buyers, those with small down payments and those with less than perfect credit. But anyone is eligible to apply. Apply Now for your FHA loan.

VA Loan

A mortgage loan program established by the United States Department of Veterans Affairs to help veterans and their families obtain home financing. VA loans offer up to 100% financing on the value of a home. To qualify for a VA loan, borrowers must present a certificate of eligibility, which establishes their record of military service, to the lender. Apply Now for your VA loan.

USDA Loans

A USDA home loan, also known as the USDA Rural Development Guaranteed Housing Loan Program, is a no down payment loan offered to rural property owners by the United States Department of Agriculture. USDA Home Loans offer 100% financing to qualified buyers, and allow for all closing costs to be either paid for by the seller or financed into the loan. In order to qualify for a USDA loan, the home must be located in a designated USDA rural area. Apply Now for your USDA loan.

Jumbo Loans

A jumbo mortgage is one where the loan amount exceeds the conventional conforming loan limit of $417,000. Apply Now for your Jumbo loan.