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We know all mortgage loans are not created equal. With 18+ years experience, we help guide you through the process to find the best mortgage loan to meet your financial needs.
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Get Peace of Mind with the Right Mortgage Loan
30 Year Fixed
The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, there may be better loan options available for you.
15 Year Fixed
This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you’ll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment. Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years. This approach is often safer than committing to a higher monthly payment, since the difference in interest rates isn’t that great.
Adjustable Rate Mortgage
An ARM is an Adjustable Rate Mortgage. Unlike fixed rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically. The initial interest rate of an ARM is lower than that of a fixed rate mortgage, consequently, an ARM may be a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is to high.
An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).
A jumbo loan is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac. As of 2020, the limit is $510,400 for most of the US, apart from Alaska, Hawaii, Guam, and the U.S. Virgin Islands, where the limit is $726,525. Rates tend to be a bit higher on jumbo loans because lenders generally have a higher risk.
The United States Department of Agriculture (USDA) gives out a variety of loans to help low- or moderate-income people buy, repair or renovate a home in a rural area. Some of the popular types of loans are: the single family direct homeownership loan, the single family guaranteed homeownership loan, the rural repair and rehabilitation loan or grant and the mutual self-help loan.
The purpose of this loan program is to promote home ownership amongst heroes in our community. Eligible Heroes include: Veterans, Active Duty Military, Law Enforcement, Educators, First Responders, Nurses or Healthcare Workers. The program is self-managed by the Real Estate Agent and it involves internet promotions to foster activity and encourage heroes to apply for the discount.
Heroes will receive the following: 1) Real Estate Agent rebate of $1,000 applied to closing costs or as a check at close; 2) Mortgage Broker $500 appraisal rebate at close; 3) Mortgage Broker waives underwriting fee $1,000 value; 4) Discount on Home Inspection; and 5) Discount on Home Insurance through our insurance network. To participate, heroes need to be registered by the agent or lender to be confirmed for eligibility.
With 18+ Years of Experience, We Help You:
Buy or refinance your home and stay within your budget
Navigate the entire loan process so you won’t feel stressed
Find the right mortgage loan so you save money
How We’ve Helped
Saved by our clients in loan interest by avoiding the wrong loans.
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Clients have found the right mortgage without feeling overwhelmed.
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