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• Home Equity Lines of Credit
• Self-Employed Borrowers
• Investment Properties
• Payment Rates as Low as 1.75%100% Financing
• First Time Home Buyer
• Stated Income
• Second Homes

Fixed Rate Mortgage

With a fixed rate mortgage loan, the interest rate and your monthly payments remain fixed for the period of the loan.  Fixed rate mortgages are available for 40, 30, 15 and 10 years.  Generally, the shorter the term of a loan, the lower the interest rate you could get. 

Option ARM Loans

One of the most creative programs that does not require a set payment each month is the Option ARM.  You have four payment options to choose from each month:  your lender sends you a monthly a minimum payment 1.75% (1), an interest only payment (2), 30-year amortized payment (3), or 15-year amortized payment (4). 

Adjustable Rate Mortgages

Variable or adjustable loan is a loan whose interest rate, and accordingly monthly payments, fluctuate over the period of the loan.  Periodic adjustments are made to the interest rate.  Most ARMs have an interest rate cap to protect you from large increases in monthly payments.

Fixed-period ARMs

With fixed-period ARMs homeowners can enjoy from two to ten years of fixed payments before the interest rate adjustment.  At the end of the fixed period, the interest rate will adjust. The advantage of these loans is that the interest rate is lower than that for a fixed rate loan.