Loan Programs

Which Mortgage is Right for You?

There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we're here to help you choose the best type of home loan for your needs.

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Mortgage Rate Options

Fixed Rate

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.

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Adjustable Rate

Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions. Typically, these loans carry a fixed-i...

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Interest Only

Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specif...

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Graduated Payments

Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and...

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 Standard Loan Program Options

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Conventional Loans

A conventional loan is a type of loan that is not insured by the government. Conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.

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FHA Home Loans

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

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VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...

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Jumbo Loans

A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $766,550 in...

Non-Standard Loan Program Options

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Bank Statement Loans

Bank Statement loans use deposits into business (or personal) bank statements for the previous 12 or 24 months as qualifying income.  This allows many more small business owners to obtain financing without using tax returns.

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Debt Service Coverage Ratio (DSCR) loans

This loan is exclusively for investment properties and qualifies the loan solely off the cash flow of the subject property.  No personal employment or income is required to qualify.

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Alternative Documentation Loans (click for full list)

Many more alternative income qualifying options exists for those who cannot qualify under standard conventional guidelines.  There are ample options for all situations-- Click to see what fits you best. 

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Private Money & Bridge Loans

Private Money & Bridge Money Loans are short term loans using the collateral to qualify.  They carry more costs and higher rates than long term loans, but can close very quickly and can provide quick cash on a refinance or on a purchase.