Loan Programs

Conventional Loans
The most common of all mortgages, these loans are available as fixed rate loans, ARMs and with loan terms that can be customized to your needs with terms between 4 and 30 years.  Please call for us to customize a loan for you.

Reverse Mortgages
If you're 62 or older and would like freedom from mortgage payments, a reverse mortgage may easily be the answer for you.  This government insured loan program makes it possible for you to stay in your home for the rest of your life and not pay principal and interest payments.  Please contact us for additional information.

FHA Loans
FHA home loans are mortgage which are issued by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates and very low down payment requirements.

VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs.  These loans offer military veterans exceptional benefits including low interest rates, low down payment requirements on purchases and the ability to borrow up to 100% of the home's value on a refinance.

USDA Loans
These loans are guaranteed by the United States Department of Agriculture and are designed to promote rural development.  It can be surprising what properties are considered rural so please contact us for more information.

Jumbo Loans
If you want to buy a home or refinance a mortgage that requires a jumbo loan, we have a very wide range of loan products to choose from.  Get in touch with us and we will match your needs with a loan product that will meet your needs.

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.

Non QM Loans
The traditional programs are required to fall under being a "Qualified Mortgage" or QM.  We have some loan programs that fall outside of those requirements that offer some greater degree of loan flexibility.

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.

HARP 2.0
HARP 2.0 is a refinance option for homeowners that are "underwater," meaning they owe more on their home than their home is worth.  There are some qualifiers for this program so please call for additional information.