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Our goal is to help our borrowers obtain a loan that best fits their goals. We specialize in Conventional, FHA, Fixed Rate and Adjustable Rate Mortgages, VA, HARP 2.0, Jumbo, and Reverse Mortgages - a brief consultation with you will help us get a better understanding of which program will benefit you and your situation.
An FHA loan is a mortgage issued by an FHA-approved lender and insured by the Federal Housing Administration (FHA). FHA loans require lower minimum down payments and credit scores
About half of all conventional loans are called “conforming” mortgages, because they conform to guidelines established by Fannie Mae and Freddie Mac. Their purpose is to make mortgages more widely available. Lenders can set their own guidelines for these loans and do not sell them to investors, these products may have features that other mortgages do not.
A VA loan is a mortgage loan in the United States guaranteed by the United States Department of Veterans Affairs (VA). The basic intention of the VA home loan program is to supply home financing to eligible veterans and to help veterans purchase properties with no down payment.
A fixed-rate mortgage is a fully amortizing mortgage loan where the interest rate on the note remains the same through the term of the loan.
Adjustable Rate Mortgage
An Adjustable Rate Mortgage is a loan with the interest rate on the note periodically adjusted based on an index which reflects the cost to the lender of borrowing on the credit markets.