Types of Mortgage
The Most Popular Types of Home Loans
We understand that every borrower has unique goals. That’s why we offer different types of loan to match your specific financial situation. Our team of loan experts is here to help you find the best loan for your money needs. We’ll make sure you get a loan that works well for you and makes things easy.
Fixed Rate Loans
- Predictable budgeting: Enjoy the security of knowing your monthly payment remains constant throughout the loan term. Choose from 30, 25, 20, 15, or 10-year terms.
- Peace of mind: No surprises with interest rates. Budget with confidence knowing exactly what you owe each month.
Adjustable Rate Mortgages (ARMs)
- Flexibility for future plans: Ideal for borrowers who anticipate staying in their home for a shorter period. Enjoy a fixed initial interest rate followed by potential adjustments after the introductory period. Options include 5, 7, and 10-year fixed terms.
- Tailored options: Explore our Interest-Only Jumbo ARM, perfect for qualified borrowers seeking increased flexibility.
Jumbo Loans
- Big dreams, big financing: Need more than a conventional loan amount? We offer Jumbo Loans exceeding the conforming loan limit, reaching up to $3 million. Available in both Fixed and ARM options, including interest-only solutions.
- Streamlined process: Our experienced team makes securing your Jumbo Loan efficient, even though multiple appraisals might be required.
Home Equity Loans
- Turn your home’s value into an advantage: Access your home’s equity with a Fixed-Rate Loan or Line of Credit. Choose between a 2nd lien or 1st lien if your property is free and clear.
- Convenient options: Enjoy the flexibility of an appraisal in most situations, using either AVM (Automated Valuation Model) or Drive-By options.
FHA Loans
- Making homeownership accessible: FHA loans cater to a wider range of borrowers with credit scores as low as 580 potentially qualifying.
- Lower down payment requirements: FHA loans allow for down payments as low as 3.5% on purchases.
- Mortgage insurance included: All FHA loans require mortgage insurance to protect the lender.
Non-Agency Loans
- Customized Solutions: We consider borrowers with unusual income sources and asset depletion
- Investment Property: Financing DSCR products simplify investment property financing.
- Foreign National Programs: Loan options are available for foreign nationals with ITINs.
- Flexible Loan Choices: Choose from interest-only payments, bank statement income verification and hard money loans.