Loan Option
30-Year Fixed-Rate Mortgages
A 30-year fixed-rate mortgage offers a constant interest rate and unchanging monthly payments, ideal for long-term homeowners. The process involves completing a simple qualifier, receiving personalized loan options, comparing rates and terms, and selecting the best fit for your needs. Tools and guidance are provided to help you navigate the home loan process, whether you’re a first-time or repeat buyer.
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15-Years Fixed-Rate Mortgages
A 15-year fixed-rate mortgage offers lower interest rates, faster payoff, and constant payments but requires higher monthly payments. Borrowers can opt for a 30-year loan and pay extra to shorten the term. The process includes completing a qualifier, comparing rates, and choosing the best option, with tools to guide buyers.
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Adjustable Rate Mortgages
An Adjustable Rate Mortgage (ARM) has an interest rate that changes periodically, starting lower than fixed-rate loans. It’s ideal for short-term homeowners, those expecting higher future earnings, or when fixed rates are high. The process involves completing an ARM Qualifier, comparing rates and terms, and selecting the best option, with tools to guide buyers.
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FHA Loans
An FHA loan is a government-insured mortgage designed to make homeownership more accessible and affordable, especially for first-time buyers. Created in the 1930s to reduce lender risk and stimulate the housing market, it offers lower down payments and easier qualification. The process involves completing an FHA Loan Qualifier, comparing rates and terms, and selecting the best option, with tools to guide you.
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VA Loans
A VA loan is a U.S. mortgage guaranteed by the Department of Veterans Affairs, offering long-term financing to eligible veterans or their surviving spouses. It provides benefits like no down payment and competitive rates. The process involves completing a VA Loan Qualifier, comparing rates and terms, and selecting the best option, with tools to guide you.
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Jumbo Loans
A jumbo loan exceeds conforming limits set by Fannie Mae and Freddie Mac ($647,200 in most areas, $970,800 in select regions). Rates are slightly higher due to increased risk. Our Jumbo Loan Qualifier simplifies the process, helping you compare options, rates, and terms to choose the best loan for you.
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FHA 203K Loans
An FHA 203K loan, backed by the federal government, finances both home purchase and renovation costs. Ideal for buyers seeking to upgrade fixer-uppers, it streamlines the process with a simple Loan Qualifier, offering options, competitive rates so first-time and repeat buyers can choose the best renovation loan for their needs.
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