There are several options for conventional loans. With a down payment of at least 5%, we can split the loan into a 1st and 2nd which will not require private mortgage insurance. We can amortize for 15, 20, or 30 years at fixed or adjustible rates.

The conforming loan limit is currently $417,000.00 and requires a minimum of 5% down payment. The terms are 15 year amortization, 20 year and 30 year (fixed or adjustible rates). We can do split loans to avoid private mortgage insurance (80/15/5 or 80/10/

The FHA loans are rapidly becoming the most popular type home loan. They offer a fixed rate with only a 3.5% down payment. The down payment can be a gift and all closing cost can typically be paid by the seller. One does not need perfect credit to qualify

Designed to offer long-term financing to American veterans, VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S.

The U.S. Department of Agriculture offers a variety of programs to help low to moderate-income individuals living in small towns or rural areas achieve home ownership.

Jumbo Loans exceed the maximum loan amounts established by Fannie Mae and Freddie Mac conventional loan limits. Rates on jumbo loans are typically higher than conforming loans.

An ARM is a mortgage with an interest rate that may vary over the term of the loan -- usually in response to changes in the prime rate or Treasury Bill rate. The purpose of the interest rate adjustment is primarily to bring the interest rate on the mortga