There are many different types of home loans available, but they are not all the right one for you. Luckily we’re here to help you choose the best type of home loan for your needs.
MORTGAGE RATE OPTIONS
Fixed Rate
Lock in financial security with a fixed-rate mortgage! Enjoy consistent monthly payments, budget predictability, and long-term peace of mind in your home financing journey.
Adjustable ARM
Experience flexibility with an adjustable-rate mortgage (ARM)! Benefit from lower initial rates and adapt to changing market conditions for a dynamic home loan solution.
Interest Only
Maximize cash flow with an interest-only mortgage! Pay only the interest for a set period, freeing up funds for investments or other expenses. Ideal for short-term financial strategies.
Graduated Payments
Ease into homeownership with a graduated payment mortgage! Start with lower payments that gradually increase over time, matching your growing income and financial stability.
LOAN PROGRAM OPTIONS
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 minimal down payment.
VA Loans
Empower your homeownership journey with VA loans! Designed for veterans and military families, enjoy no down payment, competitive rates, and flexible qualification criteria.
USDA Loans
Unlock rural homeownership with USDA loans! Ideal for low- to moderate-income families, enjoy zero down payment, low-interest rates, and affordable mortgage options.
Jumbo Loans
Finance your dream home with a jumbo loan! Designed for properties exceeding conforming loan limits, enjoy competitive rates and flexible terms for luxury or high-cost homes.
Lower Your Interest Rate
If mortgage rates have dropped since you got your original loan, refinancing to a lower interest rate can lead to significant savings over the life of your loan. Even a small change in the rate can make a big difference.
Shorten Your Loan Term
Refinancing from a 30-year mortgage to a 15-year mortgage can help you own your house outright faster. This also builds your equity more quickly. You'll pay less overall interest with a shorter term, even though your monthly payments may be higher.
Tap Into Your Home's Equity
(Cash-Out Refinance)
If you need cash, a cash-out refinance lets you access the equity you've built in your home. This money can be used for major renovations, to consolidate debt, or for other major expenses. Be aware that a cash-out refinance means you'll be taking on a larger mortgage.
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