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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.

We’re here to make the home loan process easier, with tools and expertise that will help guide you along the way.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

Here’s how our home loan process works:

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).

We’re here to make the VA home loan process a whole lot easier, with tools and expertise that will help guide you along the way.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

Here’s how our home loan process works:

An ARM, or Adjustable-Rate Mortgage, offers flexibility with interest rates that change periodically, unlike fixed-rate mortgages where the interest rate remains constant for the life of the loan. The fixed rate portion of the loan has available options of 5, 7 and 10 years. The initial interest rate of an ARM is typically lower than that of a fixed-rate mortgage, making it a potentially good option if you plan to own your home for only a few years, anticipate an increase in future earnings, or find the prevailing interest rate for a fixed mortgage too high.

We’re here to make the process easier, providing tools and expertise to guide you every step of the way. Whether you’re a first-time homebuyer or a seasoned investor, we’ll help you clearly understand the differences between loan programs so you can choose the one that’s right for you.

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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.

The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.

We’re here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

Here’s how our home loan process works:

A jumbo loan is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac. As of 2021, the limit is $548,250 for most of the US, apart from Alaska, Hawaii, Guam, and the U.S. Virgin Islands, where the limit is $822,373. Rates tend to be a bit higher on jumbo loans because lenders generally have a higher risk.

We’re here to make the jumbo home loan process a whole lot easier, with tools and expertise that will help guide you along the way.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

Here’s how our home loan process works:

Renovation financing allows a borrower to roll the costs of renovations into their mortgage. This opens opportunities to purchase a home that is more affordable upfront but has the potential to increase in value with strategic updates. It also offers a compelling solution in a low-inventory market.

We’re here to make the home loan process easier, with tools and expertise that will help guide you along the way.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

Here’s how our home loan process works:

A USDA loan is a 0% down payment loan that provides many beneficial homeownership opportunities to individuals in rural and suburban areas. These benefits include 100% financing options, competitive interest rates, third-party assistance from the seller up to 6% towards closing costs, and flexible qualifying criteria.

To be eligible for a USDA loan, the home must be within an approved geographic location, and the borrower must meet income limits and have a proven history of dependable income.

We’re here to make the home loan process easier, with tools and expertise that will help guide you along the way.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

Here’s how our home loan process works: