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Loan Products & Programs
- 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."
- Hybrid ARMs (3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM) Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs."
- Components of an ARM Prior to choosing a home loan, you should know the advantages and risks of adjustable-rate mortgages to make an informed, prudent decision."
- FHA 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. Also see About MIP, About FHA Loan Limits, About FHA Credit Requirements, About FHA and BKs"
- FHA Streamline Loans The FHA streamline refinance program helps current FHA homeowners lower their interest rate and monthly payment — it’s a fast and cost-effective way to refinance with lenient documentation requirements and credit standards.
- FHA Manufactured Home Loans Mobile homes, also known as manufactured homes, represent more than one out of ten new homes built and provide an affordable alternative for home ownership. Less expensive than both new and existing single family homes, manufactured housing has been an alternative to more expensive “stick-built” housing for decades. Perhaps the most widely-available form of financing for mobile homes is offered through the Federal
- VA Loans VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership."
- Non-Qualified Mortgage (non-qm) Qualified mortgages are a new mortgage classification. Starting in 2014, they were created to make it more likely that a borrower would be able to pay back the loan. Lenders need to assess the borrower’s ability to repay and borrowers need to meet a strict set of criteria."
- Commonly Used Indexes for ARMs most commonly used indexes by ARM lenders that affect ARM mortgage rates. Call for information
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