Loan Programs

Which Mortgage is Right for You?

We offer a wide range of home loans designed to fit your unique needs. Our trusted team of mortgage professionals will work with you to find the best product that fits your personal scenario.

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Mortgage Rate Options

Fixed Rate

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.

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Adjustable 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-i...

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Interest Only

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 specif...

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Loan Program Options

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FHA Home Loan

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a 3.5% minimum down payment.

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VA Loan

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits including low interest rates, no mortgage insurance, and no down payment.

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Non-QM Loan

Qualify for a mortgage with alternative methods, rather than the traditional income requirements for most loans.  Click "Learn More" to read some of the different non-QM loan options.

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Jumbo Loan

A jumbo loan is a mortgage used to finance properties that exceed the conforming loan limit of $726,100.  This loan product required at least 10% minimum down payment. 



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Conventional Loan

Conventional loans are typically backed by Fannie Mae and Freddie Mac, the government sponsored enterprises. For first-time homebuyers, these loans offer a low down payment of 3%, and for everyone else, 5% down.  

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Foreign National 

A Foreign National loan is for non-residents of the United States looking to purchase real estate. If you're living abroad and are looking to purchase a vacation home or an investment proeprty in the US, this product could be ideal for you. 

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Any property 5 units or more would be considered commercial. They would require 25%+ down payment, and vary depending on the property use. Commercial loans are not only for 5+ unit residential properties, but also for commercial businesses such as restaurants and shopping plazas.

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Hard Money

A hard money is typically your last resort for a quick closing.  They're usually interest only loan and the term generally 1 or 2 years.  Depending on the property and scenario, the down payments usually start at 25% or more.