Compare Loans



Fixed Rate Loans

  • 30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.

  • Buy a home with as little as 5% down (primary home).

  • Refinance up to 95% of your primary home's value.

  • Monthly payments remain the same for the entire loan term.



Adjustable Rate Loans

  • 3/1, 5/1, and 7/1 ARM's. Monthly payments based on a 30 year repayment schedule.

  • The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.



FHA Loans

  • 3.50% minimum down payment required on purchase.

  • Minimum credit score usually 620.

  • Post-bankruptcy qualifying - 2 years after.

  • Post-foreclosure qualifying - 3 years after.



VA Loans

  • Competitive interest rates that are routinely lower than conventional rates.

  • Sellers can pay up to 6 percent of closing costs and concessions.

  • Higher allowable debt-to-income ratios than for many other loans.

  • Down payment as low as 0%.



Reverse Mortgage Loans


  • You must be age 62 years or older, and

  • Live in and own your home (must be your principal residence)

  • Meet financial assessment requirements established by HUD