Loan many options.

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 circumstances, and there is no one correct answer.   Review the programs below.  Don't worry, we will help you find the right program to meet your needs 

FHA Loans
Great for first time homebuyers.  These loans have low down payment requirements and have lower credit standards than most other loans.  You can even use a gift to help pay for your cash to close. FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA).

VA Loans
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.  VA loans are mortgages guaranteed by the Department of Veteran Affairs. 

A great program for all buyers, especially first time homebuyers.  USDA/RD loans allow 100% financing and even let you finance closing costs when the appraised value permits.  There are property area and income limitations with these programs.

Conventional Loans
These loans are great for any type of transaction, purchase, refinance, second home, or even investment properties.  There is no mortgage insurance when you finance 80% or less of the home's value.  There are many great programs for first time home buyers now as well.  Credit restrictions are more strict than that of FHA.

Rehab Loans
A great way to purchase or refinance your home that needs repairs and/or improvements.  Just because it's not your dream home today, doesn't mean it can't be with money from a Rehab loan.

Jumbo Loans
Jumbo loans are mortgages over the conforming/conventional loans limits of $453,100 ($679,650 in high cost areas).  These loans are great to get you more house but often come with more strict credit requirements.

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.