Mortgage Options

Understanding Mortgage Options

Navigating which mortgage option is right for you can be stressful, especially if you are a first-time home buyer. Our Mortgage Lenders will be by your side every step of the way as you buy your home. 

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The three popular types of mortgages you can receive are fixed rate, adjustable rate (ARM), and jumbo loan.

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  • Competitive rates
  • Interest rate does not change for the life of the loan
  • Payment remains the same each month
  • Short and long-term rates available
  • No prepayment penalty 
  • Minimal and flexible down payment requirements
  • Rates are typically lower than market rates, as compared to fixed-rate mortgages, and they remain unchanged for a fixed period
  • Perfect for shorter-term loans or those who are planning to buy another home in a few years
  • Protection from maximum rate adjustments
  • No prepayment penalty
  • Larger loans, designed for purchasing high value real estate 
  • Stricter income and credit requirements than a traditional mortgage
  • Rates competitive with traditional mortgages
  • Limits on dollar amount of mortgage that can be guaranteed

Other Mortgage Loan Options

Additional mortgage options are available with the help of your mortgage lender. Reach out to us to discuss which option is best for you.

Construction & Lot Loans 

You’ve dreamed of your perfect home for years, down to every last detail. Now it’s time to build it. Make your vision come to life with a construction loan. Learn More >>

FHA Loan Mortgages

A Federal Housing Administration mortgage is a government-insured loan managed by the Department of Housing and Urban Development (HUD). This type of loan typically allows the borrower to make a smaller down payment, but requires mortgage insurance, which would increase your monthly payments.

VA Loan Mortgages

A VA loan comes from the U.S. Department of Veterans Affairs and is offered to military service members and their families. Like an FHA loan, this is also a government-insured loan. This type of loan can allow borrowers to get 100% financing for their home purchase, which means no requirement of a down payment.

USDA Loan Mortgages

A USDA loan is offered by the United States Department of Agriculture (USDA) and managed by the Rural Housing Service (RHS) for borrowers who are rural residents that meet certain income requirements. 

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Crunch the Numbers: How much house can you afford?

Use our mortgage calculators to calculate a mortgage payment, compare loans, find out how much house you can afford, and more. 

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