Product and Features

Fixed Rate Mortgages
This is the most typical loan program available where your principal and interest monthly payments will not change for the loan’s entire life.

Adjustable Rate Mortgages (ARM)
These loans have an interest rate that may adjust during the loan term. Typically, this type of loan has an interest rate that is fixed for a beginning time period and then it adjusts depending on the current conditions of the market.

Hybrid ARMs (3/1 or, 5/1 or ,7/1 or 10/1 ARMs)
These types of loans are fixed-period ARMs, and combine the features of a fix rate mortgage and an adjustable rate mortgage.

FHA Loans
These loans are insured against default by the (FHA) or Federal Housing Administration.

VA Loans
These loans provide veterans with federally guaranteed home loans requiring no down payment. The VA Loan Program was designed to provide assistance for veterans and their families with the dream of home ownership. This program has made it a reality for millions of our veterans.

Interest Only Mortgages
This type of mortgage is when only monthly payments are made payments do not include repayment of the principal loan amount for a specified time period.

Components of an ARM
When considering an Adjustable Rate Mortgage loan, you need an understanding of their components.

Commonly Used Indexes for ARMs
This is a list of common indexes that are used by ARM lenders.

Balloon Mortgages
These mortgages contain a fixed note rate for an initial time period, and then the principal loan that is remaining becomes due at the loan’s end of term.

Reverse Mortgages
This type of equity home loan allows borrowers to convert a portion of home equity to liquid cash while still retaining home ownership.

Graduated Payment Mortgages
This is a loan where payment increases each year for a period of time that is predetermined (i.e. for 5 or 10 years), and then the loan interest rate is set for the remainder of the term.

What is the best loan program?
So what’s the best mortgage for you? It depends on your specific situation and your goals. This link will provide some additional helpful information.
the products we offer

These are some of the loan products that we offer … first time buyers, Jumbo
Loans, Conventional Loans, FHA Loans, VA Loans, Private Money Loans, Fixed Rate
Mortgages, Adjusted Rate Mortgages (ARM), Hybrid ARMs (3/1 ARM, 5/1 ARM, 7/1
ARM, 10/1 ARM), Interest Only Mortgages, Balloon Mortgages, Reverse Mortgages
and Foreign National Loans.

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