MORTGAGE LOANS
The home you want. The loan you need. The lender you trust!
FIXED RATE MORTGAGE
The standard fixed rate loan is the most well-known and frequent type of mortgage. Over the course of the loan, a fixed rate loan's interest rate won't fluctuate. The principal and interest payment is therefore constant each month. While the principal and interest payment is always the same, it's crucial to keep in mind that if you escrow for your insurance and property taxes, these costs may change over time. Your total monthly payment (including escrows) may fluctuate from year to year as these costs alter.
ADJUSTABLE RATE MORTGAGE (ARM)
An ARM has a benefit over a fixed rate loan because its initial interest rate is frequently lower than that of a comparable fixed rate mortgage. Whether the initial rate benefit justifies the potential risk of a higher rate in coming years is one of the factors to take into account when considering whether to employ an ARM. All ARMs contain "caps" that restrict how much the interest rate can increase or decrease both during individual adjustments and throughout the course of the loan.
REFINANCE
If you are looking to refinane your home, consider our mortgage options with various term lengths. We have multiple loan structuring and rate options. Our team of knowledgeable lenders are here to share their expert advice and make your process easier. We retain servicing on our mortgage loans. This means you are able to make your payments locally and speak with a lender face-to-face whenever you would like.
FIRST TIME HOME BUYERS (FTHB)
If you are ready to buy your first home and don't know where to start, our team of experienced lenders can help you navigate the process and find if there is a First Time Home Buyer loan that fits your situation.