Fixed-Rate Mortgage
Adjustable-Rate Mortgage (ARMs)
Interest Only Loans
Jumbo Loans
2nd Mortgage Loans
FHA Mortgages
VA Mortgages
No Down Payment Loans
Bridge Loans
Stated Loans/No Income Verification Loans
Less than Perfect Credit Loans
Investor Mortgages
High Debt Ratio Loans
Construction Loans
80/10/10 or 80/15/5
Reverse Mortgage

-For more options, contact one of our Loan Consultants today.

Fixed-Rate Mortgage—With a fixed rate loan, you never worry about your interest rate going up and raising your mortgage payment. That means you’re able to budget better. Fixed rates are usually 10, 15, 20, 30 and 40-year terms. back to top

Adjustable-Rate Mortgage (ARMs)—With an Adjustable-Rate loan (ARM,) you enjoy a lower, fixed interest rate for a set period of time 1, 3, 5, 7, and 10 year terms then the rate adjusts based on financial markets for the remainder of the loan term. Your monthly payments are lower in the beginning, and then down the road may increase if interest rates go up. back to top

Interest Only Loans—With an Interest Only Loan, you only pay the interest on your loan plus any applicable taxes and insurance. back to top

Jumbo Loans—Mortgages that exceed the maximum possible amount of conforming loan by Freddie Mac and Fannie Mae. These loans may carry a higher interest rate and different underwriting requirements. back to top

2nd Mortgage Loans—Subordinate to the first mortgage, second loans offer the borrower the ability to get money for home improvement, debt consolidation or many other reasons without disturbing their first mortgage. Convenient when you have a low interest first mortgage. back to top

Federal Housing Administration (FHA) Loans—FHA loans are insured by the Federal Housing Administration. FHA loans require borrowers to meet certain FHA Guidelines and allow smaller down payment amounts. Both fixed and adjustable loans are also available. The seller can also contribute up to 6% of the purchase price to the buyer towards closing costs. back to top

VA Mortgages—VA loans are made possible by the Department of Veteran Affairs. These loans are offered directly to qualified Veteran or Military personnel. Eligible veterans can get long-term loans with little or no down payment, more flexible qualifying standards, and sometimes lower interest rates. back to top

No Down Payment—100% financing loans require no down payment. Closing costs are paid by the borrower and the seller can contribute up to 6% of the purchase price towards closing costs. back to top

Bridge Loans—Also known as a swing loan, this lets borrowers receive financing for a new home before the present home is sold. The present home is used as collateral. back to top

Stated Loans/No Income Verification Loans—Loans where your income is not requested or verified are stated income loans. No-Income or "no-doc" loans may be best suited for a particular borrower depending on the situation. Some borrowers choose not to disclose employment, income or asset information, while others may be willing to disclose employment and asset information but not income. Still others might be willing to disclose even income but select a program that doesn't calculate debt-to-income ratios, allowing those borrowers to exceed the traditional guidelines in order to qualify for a larger mortgage amount. With all the different variations of the no-doc loan, there is definitely a mortgage program for today's non-conventional borrowers. back to top

Less than Perfect Credit Loans—Troubled credit? Bankruptcy? Been turned down somewhere else? We offer loan programs for customers with credit challenges. back to top

Investor Mortgages—Used to finance 1-4 family properties that will be for investment with as little as a 10% down payment. Aggressively priced, these programs have many variations such as NO DOC, LIMITED DOC and FULL DOC. back to top

High Debt Ratio Loans—Borrowers whose ratio of monthly bills to monthly income is higher than 50% may want to consider a high debt ratio loan. Loan programs are available for these borrowers, allowing them to finance the purchase of a home or property. back to top

Construction Loans—Building a new home can be a very exciting - unless you get caught up in a construction loan approval process that's overly complicated and time consuming. With this loan we will finance up to 90% of the cost of land plus the costs of construction. We offer a one-time fixed rate closing or traditional ARM products. back to top

80/10/10—These loans carry a second mortgage up to 10% of the property’s purchase price. They are usually used when trying to avoid PMI insurance or to keep your first mortgage under Jumbo Loan limits. The borrower puts down a 10% down payment and then finances a first mortgage and a second mortgage of up to 10% of the purchase price. Other variations are 80/15/5 or 75/15/10. back to top

Reverse Mortgage— Reverse mortgages (also called home equity conversion loans) enable elderly homeowners to tap into their equity without selling their home. The lender pays you money based on the equity you've accrued in your home; you receive a lump sum, a monthly payment or a line of credit. Repayment is not necessary until the property is sold. back to top