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Which loan program is right for you? The answer to that question comes together when our experience meets your goals and unique financing needs. Take a few minutes to familiarize yourself with the loans described below, then let us know when and where you wish to start the conversation. We will be there with the mortgage solutions you need.

Adjustable Rate Mortgages (ARM's)


We offer adjustable rate mortgage (ARM) loans with terms of 3, 5, 7 and 10 years. An adjustable-rate mortgage (ARM) provides the borrower with a lower initial payment, yet carries a degree of uncertainty. An adjustable-rate mortgage will temporarily lock into a rate at the time of closing. After the initial lock period ends, the rate will adjust for the remaining life of the loan, depending on market rates. Adjustable rate mortgages allow borrowers to take advantage of falling interest rates without refinancing, however they should always prepare for rates to increase as well. If you are considering a refinance or a move in the near future, an ARM loan may be a great option for you as the lower initial rates can offer a cheaper route for borrowers who don’t plan on staying in one place for long. Fixed-rate mortgages offer rate and payment security, but they can be more expensive over time. Personal preferences and unique situations will help to determine which type of loan is best for you.

FHA (Federal Housing Administration)


The FHA loan is a great program for homebuyers that may not have exceptional credit, or are looking for a low down payment option with affordable terms. FHA features a down payment of just 3.5%, as well as flexible credit and qualification requirements.

Fixed-Rate Mortgages (10, 15, 20, 30 year)


A fixed-rate mortgage provides the borrower peace of mind knowing their monthly payment will be the same for the life of the loan. If you plan to stay in your home for many years and appreciate the convenience of a consistent mortgage payment regardless of the market, this could the perfect program for you!

We offer 10, 15 and 20 year fixed-rate loan products for a more accelerated payoff schedule, compared to the 30 year fixed rate. The interest rate will always remain the same, your principle and interest payment will never change, and with a variety of terms available you can pay off your mortgage at a pace that's best for your unique situation.

HARP (Home Affordable Refinance Program)


HARP (Home Affordable Refinance Program) is a temporary Government refinance program designed to aid homeowners who owe more on their home than it is currently worth. Homeowners who qualify can take advantage of today’s low interest rates and refinance their existing mortgage to a more affordable loan, with a lower interest rate and higher LTV (Loan-to-Value). HARP ends on December 31, 2016.

If your mortgage is owned or guaranteed by either Freddie Mac or Fannie Mae, you may be eligible to refinance your mortgage under the enhanced and expanded provisions of HARP. You can determine whether your mortgage is owned by either Freddie Mac or Fannie Mae by checking the following websites:

Super Conforming


Conventional financing limits are capped at a loan amount of $417,000. A Super Conforming loan follows the same Federal rules and guidelines as a conventional loan product, with extended loan amount caps up to $625,500. This program extends the borrowing options for individuals purchasing or refinancing in a demographic area with higher housing costs than allowed with conventional loan financing. A variety of loan terms are available for purchase or refinance; 15 and 30 year fixed-rate loans as well as 5 and 7 year ARM's (Adjustable Rate Mortgages).

VA (Veterans Administration)


The VA mortgage loan is a great program for Veterans, active service members, and other military personnel with a Certificate of Eligibility. VA loans are a fantastic option for eligible vets for a variety of reasons, including zero down payment and no PMI (Primary Mortgage Insurance). The VA loan also offers the most flexible credit and qualification requirements of any loan product.

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