Loan Programs



What kind of loan program is best for you?

Which one is the lowest monthly payment?

What option requires the least amount upfront?

What will cost me less over time?

Which loan type is suitable for my credit score?

The right answer depends on your unique circumstances. 

Talk with a loan officer about loan amount, type of loan, property type, 

and homebuyer requirements to ensure eligibility.


For first-time homebuyers with limited cash for a down payment

3% down on a conventional conforming. Allows the use of gift funds and down payment assistance programs. Also, requires mortgage insurance.


ITIN Loan Program


  • Are your buyers undocumented and living in the USA?

  • Are they missing a Social Security Card or number?

  • Do they not have a Visa, Work Permit, or Green Card?


ITIN Loan Program is for people without a social security number looking to buy a home to live in the United States. Those types of loans require a higher down payment.


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 that 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 that 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 homeownership.

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.

Components of an ARM
Prior to choosing a home loan, you should know the advantages and risks of adjustable-rate mortgages to make an informed, prudent decision.

Commonly Used Indexes for ARMs
This article includes a list of the most commonly used indexes by ARM lenders that affect ARM mortgage rates.

Balloon Mortgages
Balloon mortgages include a note rate that remains fixed initially, and the principal balance becomes due at the end of the mortgage term.

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

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.

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