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Your home isn't just a place to live, it's an investment and a future for you and your family.

Fixed Rate Mortgages

A fixed rate mortgage, the most common type of mortgage today, is a mortgage that has a fixed interest rate for the entire term of the loan. The benefit of a fixed-rate mortgage is that the interest rate and monthly loan payments will stay the same, eliminating any concerns about varying loan rates and payment amounts that fluctuate with interest rate movements, especially when interest rates are expected to rise. Fixed rate mortgages most commonly come with 15- and 30-year terms, although other options are available

Adjustable Rate Mortgages

An adjustable rate mortgage is a mortgage that has an interest rate that can change periodically after the initial fixed rate period, typically each year, which in turn can also affect the monthly payment. The initial interest rate is fixed for a set period of time (typically 3, 5, 7 or 10 years) before it is susceptible to annual increases or decreases based on market fluctuations. The benefit of an adjustable rate mortgage is when interest rates are expected to fall, a homeowner could potentially lower their monthly payments with the lowered interest rates.

Conventional Mortgages

A conventional mortgage refers to any loan that is not insured or guaranteed by the federal government, as opposed to government insured loans such as FHA (Federal Housing Agency) and VA (Veteran?s Administration). Conventional mortgage loans can be either fixed mortgages or adjustable-rate mortgages, including hybrid ARMs. Conventional mortgages (whether conforming or not) typically have a slightly higher down payment than government loans. However, conventional mortgages normally provide more flexibility and lower interest rates for buyers with good credit and the ability to afford a slightly higher down payment.

FHA/VA Mortgages

The Federal Housing Administration (FHA) is a federal agency within the US Department of Housing and Urban Development (HUD). The FHA offers both fixed and adjustable rate mortgages. FHA's objective is to assist providing housing opportunities and is widely used for first-time home buyers. FHA loans are also available for refinancing a home. The advantages for the FHA loan include, but are not limited to: great for 1st time home buyers, lower down payment than a conventional loan, down payments can be a gift from a family member, non-profit organization or government instrumentality. VA loans are mortgage loans guaranteed by the Veterans Administration, an agency of the federal government that provides services for active military and eligible veterans.

Rural Development Mortgages (USDA)

Offered through the United States Department of Agriculture, the USDA Guaranteed Loan Program provides borrowers in rural areas the opportunity for home ownership. This is an excellent product and benefit for those individuals that qualify.

The USDA Guaranteed Loan Program also offers 100% financing opportunities for those who qualify. Rural areas are defined as towns, cities or places with populations of 10,000 or less, and towns and cities that are not part of a Metropolitan Statistical Area (MSA) with populations between 10,000 and below 20,000.

Jumbo Mortgages

Jumbo Loans are non-conforming loans that extend higher than the loan amounts set by the Federal Housing Finance agency. Jumbo financing is also available for loan amounts greater than $417,000.

Reverse  Mortgages

What is a Reverse Mortgage Loan? For qualified seniors 62 and older, a reverse mortgage, the most common of which is the HECM (Home Equity Conversion Mortgage), is a way to turn a portion of the equity in your home into cash without having to make monthly mortgage payments. As long as all loan terms are met, the loan becomes repayable when the last borrower leaves the home. As part of the loan, the borrower is required to continue paying property taxes and insurance and maintain the home. According to the US Department of Housing and Urban Development, more than a million households across the nation are using a HECM reverse mortgage insured through the Federal Housing Administration (FHA) that enables seniors to help manage their ever-increasing living expenses.

Refinance Programs

Refinancing a home mortgage can accomplish many things, including potentially lowering an interest rate and monthly payments, but ultimately restructuring the mortgage to fit the borrower?s current financial situation and goals. If a borrower is in a situation where their mortgage is more than their home is worth, the Home Affordable Refinance Program, known as HARP, may be able to help. HARP is a federal program of the United States, set up by the Federal Housing Finance Agency in March 2009 to help underwater and near-underwater homeowners refinance their mortgages.

Investment Property Mortgages

Investment Loans are eligible for borrowers who are interested in acquiring rental properties. These loans are eligible for 1 to 4 unit properties.

Debt Consolidation Mortgages

Debt Consolidation Loans will enable a borrower to consolidate higher interest rate credit cards or subordinate financed loans into one loan which may result in lower monthly payments