Conventional Fixed Mortgages - No Surprises

Want a mortgage loan that won't surprise you with rate changes and monthly payment changes? Look no further. Fixed rate mortgage loans are offered for different lengths of time, so that you get the payment you can afford.

Thirty-Year Fixed Rate Mortgage

The traditional 30-year fixed-rate mortgage is one of the most popular loans with a constant interest rate and monthly payments that never change. It can be the best loan for you, if you plan on stay in your home for seven years or longer.

If you plan to move within seven years, you may want to look at an adjustable-rate loan, which is usually cheaper, but riskier. It may be harder to qualify for a fixed-rate loan than for an adjustable rate loan, so keep that in mind as well.

With low interest rates, fixed-rate loans are not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan.

Fifteen-Year Fixed Rate Mortgage

If you can afford the increased payment, why not get your loan paid off in a 15-year period and still have constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate—and you'll own your home twice as fast.

Not quite sure if your income will stay the same or increase? You can choose the 30-year fixed-rate loan and choose to make larger payments, so that your loan will be paid off sooner. This approach is often safer than committing to a higher monthly payment, since the difference in interest rates may not be worth the risk.

FHA Fixed Mortgages

Want a mortgage loan that won't surprise you with rate changes and monthly payment changes? Look no further. Fixed rate mortgage loans are offered for different lengths of time, so that you get the payment you can afford.

FHA Fixed Mortgages

An FHA 30-year fixed-rate mortgage can be a great option for first-time homebuyers and those with little-to-no formal credit history, limited cash for down payments, or less-than-optimal credit. Higher credit scores could net you lower interest rates.

An FHA mortgage is a government backed mortgage and is insured by the Federal Housing Administration. FHA mortgages are great for your first home or if you need a small down payment. A 30-year fixed FHA has no fixed payments over the thirty years, so no surprises.

VA Fixed Mortgages

Want a mortgage loan that won't surprise you with rate changes and monthly payment changes? Look no further. Fixed rate mortgage loans are offered for different lengths of time, so that you get the payment you can afford.

VA Fixed Mortgages

Active-duty service members, veterans, and some surviving spouses may be eligible to finance 100% of the home price up to current conventional loan limits with a VA loan. VA home loans are available for both purchase and refinance.

VA mortgages are backed by the U.S. Department of Veterans Affairs and feature fixed interest rates, a simple approval process, favorable loan terms, and no down payment requirements. Also, since a portion of your loan is guaranteed, mortgage insurance is not required.

Military families and veterans may have financial challenges, and to help offset this, VA loans were created making it as simple as possible for those who have served to afford a home. Veterans do not have to be first-time buyers and can utilize this benefit more than once.

Jumbo Fixed Mortgages

Want a mortgage loan that won't surprise you with rate changes and monthly payment changes? Look no further. Fixed rate mortgage loans are offered for different lengths of time, so that you get the payment you can afford.

Jumbo Fixed Mortgages

Looking for the beautiful large home that fits your lifestyle? A Jumbo mortgage may be just right for you. Jumbo mortgages are home loans that exceed conforming loan limits of $484,350 ($726,525 in some areas). They can be used for primary residences, vacation homes, and investment properties. A jumbo 30-year fixed-rate mortgage can be used to finance your dream home without requiring a second mortgage or tying up cash. Live your life in luxury.

Adjustable Rate Mortgages

Not planning on staying in your home long? Looking for a lower initial payment? Want to qualify for a larger loan? Then an adjustable rate may be perfect for you.

Adjustable Rate Mortgages

When it comes to ARMs there's a basic rule to remember...the longer you ask the lender to charge you a specific rate, the more expensive the loan.

Hybrid ARM - 3/1 ARM, 5/1 ARM, 7/1 ARM

These increasingly popular ARMS—also called 3/1, 5/1 or 7/1—can offer the best of both worlds: lower interest rates (like ARMs) and a fixed payment for a longer period of time than most adjustable rate loans.

For example, a "5/1 loan" has a fixed monthly payment and interest for the first five years and then turns into a traditional adjustable-rate loan, based on then-current rates for the remaining 25 years. It's a good choice for people who expect to move (or refinance) before or shortly after the adjustment occurs.

A 7/1 adjustable rate mortgage (ARM) is a great, affordable option for borrowers who don’t plan on staying in their home very long or those who would like to save more money up front. Initial payments are lower with the lower interest for seven years, so you can apply for larger loans, lower payments, and more short-term savings than a fixed-rate mortgage. After the first seven years, your rate could swing higher or lower once per subsequent year; however, you may still be able to refinance into a fixed-rate mortgage, should you desire to.

Reverse Mortgage

Reverse Mortgage

A reverse mortgage is a loan available to people over 62 years of age that enables a borrower to convert part of the equity in their home into cash.

Reverse mortgages were conceived as a means to help people in or near retirement and with limited income use the money they have put into their home to pay off debts (including traditional mortgages), cover basic monthly living expenses or pay for health care. There is no restriction on how a borrower may use their reverse mortgage proceeds.

The loan is called a reverse mortgage because the traditional mortgage payback stream is reversed. Instead of making monthly payments to a lender (as with a traditional mortgage), the lender makes payments to the borrower.

The borrower is not required to pay back the loan until the home is sold or otherwise vacated. As long as you live in the home, you are not required to make any monthly payments towards the loan balance, but you must remain current on your tax and insurance payments.

Construction and Renovation Loans

Whether building or remodeling, we can help you.

Construction and Renovation Loans

Construction Draw

During the course of construction, a construction loan will help pay contractors for their work. After the course of construction, your long term mortgage will payoff the construction loan.

Renovation

We can help you with Home renovations whether large or small. Give us a call

One Time Close

Forego the two loan process during construction and sign up for our One-time Close loan. This will allow for one process at the beginning before construction and then will take care of the rest of the process.