Loan Programs


Fixed Rate Mortgages

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 Rate Mortgages (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-interest rate for a set period of time before adjusting.

Hybrid ARMs (3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM)

Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.

FHA 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.

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 down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.

Debt Consolidation Loans

Debt Consolidation loans are for borrowers who would like to consolidate their high interest debts into one low monthly mortgage payment.

Bad Credit Mortgage Loans

Bad credit loans are mortgages for borrowers with credit issues.

Hard Money Loans

Hard money loans are mortgages for borrowers that cannot qualify based on conventional guidelines.

Coop Mortgage Loans

Coop loans are mortgages in a cooperative project.

Mortgage after Bankruptcy

Bankruptcy loans are mortgages for borrowers with a recent Chapter 7, 11 or 13 bankruptcy.

First Time Home Buyer Loans

First time home buyer loans are mortgage programs that are for borrowers purchasing their first home.

Reverse Mortgages

Reverse Mortgages allow senior homeowners to convert a portion of their home equity into cash while still living in the home.

What kind of loan program is best for you?

Should you get a fixed-rate or adjustable rate mortgage? A conventional loan or a government loan? Deciding which mortgage product is best for you will depend largely on your unique circumstances, and there is no one correct answer.