Loan Programs

Fixed Rate Mortgages (FRM)
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.

'Home to Home' Bridge Loan
With our fast, simple 'Home to Home' bridge loan, you can unlock the equity in your current home toward the down payment on your new home.

  • Debt from existing home eliminated from qualification calculation
  • Eliminate the hassle and pressure of selling your existing home prior to purchasing your new home
  • Borrowers need to qualify for fully amortized loan on new home only.

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

One Time Close Construction Loan
Find the sweet spot to getting into your new home – faster and easier.
With our One-Time Close loan for new construction, you can get straight
to the good stuff.

  • Save time and money with one set of documentation and closing costs, including appraisal
  • Rest assured when your rate is locked in prior to construction
  • Qualify once with no re-qualification needed upon construction completion
  • Get great rates and terms to fit your new construction financing needs

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.

Interest Only Mortgages
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specified period of time.

Components of an ARM
Prior to choosing a home loan, you should know the advantages and risks of adjustable-rate mortgages to make an informed, prudent decision.

Commonly Used Indexes for ARMs
This article includes a list of the most commonly used indexes by ARM lenders that affect ARM mortgage rates.

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.

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