Loan Programs

What kind of loan program is best for you?
Should you get a fixed-rate or adjustable rate mortgage? A conventional loan or a government loan? Deciding which mortgage product is best for you will depend largely on your unique circumstance. Talking with a Loan officer is the best way to pick the right mortgage for your home.

Fixed Rate Mortgages (FRM)

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.

Adjustable Rate Mortgages (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-interest rate for a set period of time before adjusting.

Hybrid ARMs (3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM)

Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.

FHA Loans

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

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.

Interest Only Mortgages

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 specified period of time.

2nd Trust Loan

You'll have two loan payments each month. But, with a relatively low interest rate, the monthly payments for the second trust loan are usually less than monthly PMI payments. Additionally, because the second trust loan is a type of mortgage, the payments may be tax-deductible. 


A portfolio loan is a loan that is serviced by the lender that issued the money. They are designed to approve loans that are not eligible for any "normal" type of financing. Commonly funded by small banks or credit unions, and are kept in their "portfolio".

Non-QM Loan

Non Qualified Mortgages are mortgage loans that do not fall into the Qualified Mortgage Category. They cannot be sold to Fannie Mae and Freddie Mac and are normally sold to other secondary markets to private investors or held by the lender under their own portfolio. 

USDA Loan 

A USDA home loan is a zero down payment mortgage for eligible rural and suburban homebuyers. They are issued through the USDA loan program by the United States Department of Agriculture. 

203K Loans

203K Loans are designed to help borrowers finance an older home that needs significant repairs. The loan program makes it possible for buyers to purchase a property with the cost of repairs and improvements included in the loan.

Reverse Mortgages

Reverse Mortgages allow senior homeowners to convert a portion of their home equity into cash while still living in the home.


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