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.

Jumbo Mortgages
If you are looking to borrow more than $417,000 then you are taking out a Jumbo Mortgage. Ask our loan officers about your options. You may be able to borrow up to 90% of the homes value!

HARP 2.0 is a refinance option for homeowners that are   "underwater," meaning they owe more on their home than their home is worth.

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 down payment of as little as 3.5%.

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, you can borrower up to 100% mortgage loan. This program was designed to help military veterans realize the American dream of home ownership.

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.

Reverse Mortgages
Reverse Mortgages allow senior (Age 62+) homeowners to convert a portion of their home equity into cash while still living in the home. The lender does NOT take ownership in your home and you are only required to pay property taxes, homeowners insurance and any common charges.

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.

Non-Warrantable Condominiums and Florida Condo-tels are also our specialities.

If you are looking to purchase or even refinance a condominium unit and the building is not approved by Fannie Mae that is no problem. We have a variety of mortgage options for you.

Is a recent short sale or foreclosure keeping you out of the housing market?

Please ask us about our Non-Prime programs that will help get you back into a new home!

Contact Us now to learn more!

This is not an offer to extend credit or a mortgage commitment, please contact us to see if you qualify.


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