Mortgage Programs

30 Year Fixed Rate Mortgage

The Traditional 30 Year Fixed Rate Mortgage Has a Constant Interest Rate And Monthly Payments That Never Change. If You Plan to Remain in Your Home For at Least 7 Years, This Would Be a Good Fit. For Shorter Term Occupancy, You May Consider a Hybrid ARM (Adjustable Rate Mortgage) Which Offers Lower Rates Than a Fixed Rate. In The Current Interest Rate Market, Fixed Rates Have Risen So There Are Advantages To Going To an ARM.

Mortgage Programs

15 Year Fixed Rate Mortgage

This Is a Fully Amortized Loan Just Like The 30 Year Fixed Mortgage Except That Is Payed Off In 15 Years. You’ll Find Rates Lower Than The 30 Y ear Loan, But Your Payment Will Be Higher Due To The Loan Term Being Only 15 Years. However You'll Own Your Home In 15 Years.

Mortgage Programs

No Cost/No Fee Refinance

Refinance to a Lower Rate and Monthly Payment with No Points and No Fees...!!

 With This Loan Program There are No Points, No Lender Fees, No Escrow, Title or Appraisal Fees. No Costs of Any Kind.



Mortgage Programs

FHA Government Insured Mortgage

FHA Loans Are Insured By The Federal Government To Accommodate Those Borrowers Whose Credit Is Less Than Stellar And Who Perhaps Have Less Saved For a Down Payment. The FHA Loan Program Allows Credit Scores As Low As 580 (with certain restrictions) And Down Payments As Low as 3.5%, Ideal For a First Time Homebuyer.

FHA Loans Also Offer Many Benefits To Homeowners Who Want To Refinance Their Already Existing Home Loan For a Better Rate Or Term, Or To Take some Cash Out Of Their Equity.

Mortgage Programs

VA Government Insured Mortgage

There Is High Demand For Veteran’s Affairs Mortgages Also Known As VA Loans. There Is a Zero Down Payment Requirement, No Limit on Loan Amount, and No Mortgage Insurance is Needed, As Required In FHA and Conventional Loans With Less Than 20% Down Payment. The Benefits Translate Into Significant Advantages For VA Borrowers.

Niche Programs


10, 20, and 30 Year Amortization


No Pay Stubs;   No Tax Returns;


Benefits of Refinancing at a Glance

  • Lower Your Interest Rate

  • Reduce Your Monthly Payment

  • Convert A Variable Rate To A Fixed Rate

  • Adjust/Change Your Loan Term

  • Take Cash Out Of Your Home Equity For Remodeling Or Repairs, Or Any Purpose