Loan Programs
Which Mortgage is Right for You?
There are several types of home loans available to you, and our committment is to educate you on the best Mortgage Rate Option AND the best Loan Program Option for your specific situation.
Mortgage Rate Options
Fixed Rate
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.
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Adjustable ARM
Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-i...
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Interest Only
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 specif...
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Loan Program Options
FHA Home Loans
FHA home loans are mortgages which 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 ...
Bank Statement (Self-Employed) Loans
If you're self-employed and need a loan program that allows for personal or business bank statements to calculate income, rather than tax returns, a bank statement loan is for you.
Debt Service Coverage Ratio (DSCR) Loans
A real estate investor can leverage a Debt Service Coverage Ratio Loan that will be based on the cash-flow of the property, rather than standard income calculations.
The DSCR programs compare the property's annual net operating income vs the annual mortgage debt. It's a great program that allows investors to quickly add additional properties to their portfolio or pull cash out of existing properties/assets.