Loan Types

Our focus is on selecting the ideal loan option for your distinct financial needs.

A diverse array of mortgage options is at your disposal, and our loan officers are dedicated to helping you choose one for buying or refinancing your home. Detailed information on each product is available here, and our experts are always on hand to provide further insights into each program.

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Fixed Rate Mortgages (FRM)

A popular choice, fixed rate mortgages offer consistent monthly payments of principal and interest throughout the loan’s duration. These loans, ranging from 10 to 30 years, can be settled at any point without penalties.

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FHA Loans

Insured by the Federal Housing Administration (FHA), these loans are designed to minimize risks for lenders, facilitating ongoing loan issuance. They cater to both single and multifamily homes.

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USDA Loans

Targeted toward rural homebuyers, USDA loans, backed by the U.S. Department of Agriculture, offer an affordable path to homeownership, similar to how VA loans support veterans and their families.

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Refinance Options

Refinancing involves replacing an existing mortgage with a new one, potentially lowering your interest rate and monthly payments, accessing equity, or consolidating debt.

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VA Loans

This program offers Veterans a federally guaranteed home loan with no down payment, backed by the Veterans Administration, which also insures lenders against defaults.

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Conventional Mortgages

These are loans that stand independent of government support, typically aligning with standards set by the Federal Housing Finance Administration. They represent a path to homeownership without the backing of entities like the FHA or VA.

Adjustable Rate Mortgages (ARM)

ARMs offer an initial phase with a stable interest rate, after which the rate is subject to change based on prevailing market trends. This flexibility makes ARMs a unique home loan option.

Hybrid ARMs

These are innovative mortgage options that fuse the stability of a fixed-rate mortgage with the adaptability of an adjustable-rate mortgage. Initially, they maintain a constant interest rate, transitioning to a variable rate over time, providing a blend of predictability and flexibility.