Mortgage Loan Options

Explore your loan options. Take a look at our loan products, then give us a call at 800-974-4434. We’ll get you started on the loan that’s right for you.

Loan Type Advantages to Borrowers Loan Details
Fixed Mortgage Advantages include predictable monthly payments and the ability to spread payments out over a long period of time. For a fixed-rate mortgage, the interest rate is guaranteed to remain fixed for the stated period of the loan. 10-, 15-, 20-, 25-, 30- and 40-year fixed terms are available.
Adjustable Mortgage Advantages include lower early payments than fixed mortgages and the ability to take advantage of lower rates in the future. ARMs are ideal for borrowers anticipating moving into a fixed payment program later or who have shorter-term ownership plans. For an adjustable-rate mortgage, the interest rate is fixed for 5, 7, or 10 years (based on the chosen ARM product), and becomes variable for the remaining loan term, adjusting every year thereafter, based on the movement of the index. 5/1, 7/1 and 10/1 ARMS with 30 year terms are available.
FHA Loan Advantages include a low down payment and flexibility. If you have less-than-perfect credit. FHA Fixed and ARMS are loans that are insured by the government and are used to purchase or refinance 1-4 unit properties. FHA Fixed 15&30 year terms are available. FHA ARMS 5/1-30 year terms are available.
VA Loan Advantages include no down payment loans up to a certain amount for qualified veterans and more flexible qualification guidelines than those for conventional loans. Available with fixed-rate and adjustable-rate mortgages for purchase loans.
HARP 2.0 Available with fixed-rate or adjustable-rate mortgages, for mortgages owned by Fannie Mae or Freddie Mac. HARP Fixed (15-, 20-, 25-, 30-year fixed terms are available.
Jumbo Loan Advantages include predictable monthly payments and the ability to spread payments out over a longer period of time. Loan amounts available up to $2 million. These loans are for amounts greater than conventional limits. The interest rate is guaranteed to remain fixed for the stated period of the loan.