Loan Programs
With so many loan options from which to choose, how do you know which one is right for you? A Mortgage Specialist can help you choose from the many financing options available.
Conventional Mortgages
	Conventional mortgages offer you the ability to fix your interest rate for 10, 15, 25 or 30 years with the most competitive interest rates available. While the 30 year mortgage has been the industry standard, the 15 year option has become popular because it offers tremendous interest savings compared to longer terms.
Government Insured Mortgages
	FHA, VA (Veterans Administration), and RECD (Rural Development) loans offer very attractive down payment options to qualified buyers. Some loan programs even allow up to 100% financing.
Adjustable Rate Mortgages (ARMS)
	ARMs are tied to a market index and are popular with some borrowers because an ARM typically offers a lower starting rate than a traditional fixed rate loan. However, the interest rate on an ARM loan can adjust upward or downward according to a specific schedule. A "cap" limits the amount it may rise. An ARM loan may be an excellent loan for someone not planning to stay in their home for a long period of time. A number of plans are available offering interest rates that are fixed for the first one, three, or five years.
Jumbo Mortgages
	For the executive buyer needing financing above conventional loan limits, we offer both fixed rate and adjustable rates loans in amounts ranging up to $3 million. A number of financing options are available.
Special Mortgage Programs
	We offer a variety of special loan programs designed for home buyers with special needs. Whether you have limited income, you are a first time home buyer, disabled, have bad credit, etc., we have a program that can work for you.