Loan Recommendations Tailored to YOU
Our team begins the process by simply doing one thing..... listening. We start by understanding your long-term goals. We'll uncover things like whether you value a low monthly payment, or want to pay off your loan as quick as possible. Then, we'll use that knowledge to recommend the best loan for your circumstances. Here's a summary of the most popular mortgage loans:
Fixed Rate Conventional
A conventional loan has the same payments throughout the term of the loan, which can be customized to span 30, 20 or 15 years. These loans are our specialty. Benefits include:
Adjustable Rate
This loan has a fixed interest rate initially with monthly payments based on a 30-year repayment schedule. Once the initial period ends (typically 5,7, or 10 years) the adjustable period begins, and the interest rate can fluctuate every year after. Benefits include:
FHA
A FHA loan is a smart option for first time home buyers, buyers with a minimal down payment, or buyers with previous credit concerns. Benefits include:
VA
We appreciate your dedication to our country. This governmental program allows for veterans, as well as active-duty service men and women, the ability to receive discounted rates on their loan. Benefits include: