Thirty-Year Fixed Rate Mortgage
The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then adjustable-rate loans are usually cheaper. As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans. When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan.

Fifteen-Year Fixed Rate Mortgage
This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate—and you'll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment. Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years. This approach is often safer than committing to a higher monthly payment, since the difference in interest rates isn't that great.

ARM (1/1 ARM. 3/1 ARM, 5/1 ARM)
These increasingly popular Adjustable Rate Mortgages - also called ARMs -can provide a lower monthly payment.  Contact us to determine if an Adjustable Rate Mortgage is right for you.

100% Financing
Obtain a mortgage that covers the full value of a property, without the requirement to put down a deposit or sacrifice equity.

Interest-Only 
With low interest-only payments for an initial term of 5 to 7 years, cash flow can be maximized.  A great remedy for borrowers with unpredictable incomes or those looking to increase buying power.  An interest-only option is available on various loan offerings.

Flex Mortgage
Educators, public safety workers, social service employees, and medical residents deserve unique financing. The MortgageFlex home loan program is made for those who work everyday to support our community. The MortgageFlex program has flexible credit guidelines, low down payments, reduced PMI and you can choose between an adjustable or fixed rate loan.