Loan 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.

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.

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 down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.


A VA IRRRL is a mortgage refinance option for Veterans with an existing VA loan

USDA Loans 

A USDA home loan is a zero down payment mortgage for eligible rural homebuyers. 

Bank Statement Loans

`Bank statement loans are a type of non-qualified mortgage loan that allows you to qualify based on bank statements instead of tax returns.

Interest Only Mortgages
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 specified period of time.

Investment Properties 

Investment property loans help you purchase homes to rent out for extra income or to flip and sell for a profit

Reverse Mortgages
Reverse Mortgages allow senior homeowners to convert a portion of their home equity into cash while still living in the home.

ITIN Loans

Individual Tax Identification Number (ITIN) Loans are for borrowers who do not have social security numbers.

Foreign National Loan

A Foreign National Loan Program is a special type of loan that helps noncitizens buy investment property in the United States.

Down Payment Assistance

Down payment assistance programs help homebuyers meet the down payment criteria for getting a mortgage.

Cash-Out Refinance

A cash-out refinance is a mortgage refinancing option that lets you convert home equity into cash.

What kind of loan program is best for you?
Should you get a fixed-rate or adjustable rate mortgage? A conventional loan or a government loan? Deciding which mortgage product is best for you will depend largely on your unique circumstances, and there is no one correct answer.