LOAN OPTIONS

Lock in consistent monthly payments that never change. The 30-year fixed-rate mortgage is ideal for long-term homeowners. Whether you're a first-time buyer or a seasoned investor, this loan offers stability and peace of mind for years to come.

This loan offers lower interest rates and constant monthly payments, helping you own your home in half the time of a 30-year loan. While it requires higher monthly payments, it’s a great option for those looking to save on interest and build equity quickly.

An ARM starts with a lower initial interest rate than a fixed mortgage, making it a smart choice if you plan to move in a few years or anticipate increased future earnings. Since the rate adjusts over time, it offers flexibility for short-term homeowners or those seeking lower upfront costs.

FHA loans are insured by the Federal Housing Administration, reducing lender risk and making homeownership more accessible for borrowers. Designed to promote affordable financing, they’re a great option for first-time buyers or those with lower down payments.

VA loans, backed by the Department of Veterans Affairs, provide long-term financing with favorable terms for active duty military, veterans, and their surviving spouses. This program is designed to make homeownership more accessible and affordable for those who’ve served.

Jumbo loans exceed the 2024 conforming loan limit of $726,200 for most of the U.S. (or $1,089,300 in certain high-cost areas). While rates are typically slightly higher, these loans are ideal for financing higher-value properties. Let us help you navigate the process with ease!

USDA loans offer low-interest financing with no down payment required, helping low- or moderate-income individuals buy, repair, or renovate homes in rural areas. With options like the single-family direct and guaranteed homeownership loans, these loans provide accessible, affordable solutions for eligible borrowers with decent credit.

A reverse mortgage is a loan for seniors age 62 and older. HECM reverse mortgage loans are insured by the Federal Housing Administration (FHA) and allow homeowners to convert their home equity into cash with no monthly mortgage payments.