Loan Programs

Which Mortgage is Right for You?

There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs.

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

FHA Home Loan

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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.

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Foreign National Loans

Foreign National Loans are mortgages for persons that live abroad and want to invest in the U.S. as a second home or to generate rental income. These loans typical require very little documentation, as they are equity driven products. These types of loans typically require 25% to 30% down payment.

NON-QM Loans

If you're looking to buy a home and your tax returns don't truly reflect your financial situation a NON-QM Loan may be the answer. These types of loans allow a borrower to use bank statements from his/her personal or business bank accounts to qualify on income. These types of loans do not require tax return information to verify income.

NON-QM loans also have a program for investors, without the need to verify income or employment. It is solely based on the rent a property can generate, in relation to the proposed mortgage payment offered. As long as the mortgage is less than the rental income the property is expected to generate, the loan is allowed to qualify.

Jumbo Loans

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A Jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $647,200 in...

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Loan Programs

Which Mortgage is Right for You?

Mortgage Rate Options

Fixed Rate

Adjustable ARM

Interest Only

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Loan Program Options

FHA Home Loan

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