Loan Programs

So many loas, so little time.  With literally hundreds of different loan possibilities out there, it is impossible for you to know which one is right for you. Below are links to some basic loan types that can help yousee what options you hae.  Remember, with so many loan programs available, it is important to consult with one of our mortgage professionals to be sure you choose the best program for you.

Fixed vs. Adjustable - Is a fixed rate or adjustable rate mortgage right for you?  Let this section help you understand the difference and how it will affect you.

Government Loan Programs - Using the strength of our government, these loan programs offer competitive interest rates and flexible underwriting guidelines.  See if one of these loans would be right for you.

VA Loans - A specific government loan program designed for our hard working verterans.  This loan offers 100% loans at competitive interest rates and lower closing costs.  Read on for more information.

Reverse Mortgages - What a wonderful concept!  Let your mortgage help you or your parents get through the golden years.  Here you find some answers to one of the most questioned loan programs.

Second Mortgages - What is a second mortgage and how can it benefit me?  Let this section help you understand.

Home Equity Loans - A form of a second mortgage with a fixed or adjustable rate, similar to a first mortgage.  You use a desired amount of equity on your home to secure this mortgage.

Home Equity Lines of Credit - Like a credit card, you can use this type of second mortgage as a revolving line of credit.  You only borrow and pay what you need.  This is ideal for continuing projects such as home improvements or short term loans such as vacations and family emergencies.

Need a Bridge Loan? - No.  This is not to purchase a bridge.  Learn how to leverage the equity on your existing residence while you are searching for your new home.  This special loan program allows you to put an offer and down payment on your new purchse before you even sell your first home.

Other useful loan features:

Bi-Weekly Mortgage - See how paying a little extra a month can help you save years off your mortgage.

Buydown Options - There are many ways to get the lowest rate out there.  One is to "buydown" the points.  This section helps you to understand more abount how a "buydown" works.

Should you buy points? - Buying points isn't right for everyone.  Let this section help you to understand more about buying points.

Financing Closing Costs - Looking to refinance?  This section offers different options to paying for the fees during a refinance.