• 30 year Fixed Rate
• 15 year Fixed Rate
• ARM - Interest Only (3/1, 5/1, 7/1, 10/1)
• ARM - (3/1, 5/1, 7/1)
• FHA Loan
• VA Loan
• Home Equity
• Constuction / Perm
• Lot Loan

30 year Fixed Rate
This program has a fixed rate for the entire term with a payment that does not change. This is a great choice if you plan on staying in your home for a long period of time.

15 year Fixed Rate
This loan much like the 30 year, has a fixed rate and set monthly payment. The benefits of this program are you generally have a lower rate and own the home in half the time. Your payment on this program is approximately 25% higher than the 30 year.

ARM - Interest Only (3/1, 5/1, 7/1, 10/1)
This is a fixed rate program for 3, 5, 7, or 10 years. During this time your monthly payment is based on the interest only. After the "Interest Only period" the loan then changes to an Adjustable Rate mortgage and payments will also change to cover the principle balance and interest up until the maturity date.

ARM - (3/1, 5/1, 7/1)
This loan starts off as a fixed rate for either 3, 5, or 7 years, then turns into an adjustable rate for the remaining months. This is typically a good choice for anyone planning to move before the adjustment occurs. Rates are generally lower than a conventional mortgage.

FHA Loan
These are Government loans which offer homeowners the option of making smaller down payments but have limits as to who can qualify. This is also an assumable loan for any qualified buyer.

VA Loan
This loan is backed by the Department of Veterans Affairs and is available for qualified veterans, offering little or no down payment. A VA funding fee may be imposed depending on the down payment. This loan can also be assumed by a qualified buyer.

Home Equity
Borrow money against the current equity of your home to pay off high interest credit cards, college tuition or any other unexpected expense. Programs vary from Fixed Rate loans which offer you the benefits of a consistent monthly payment to an Interest Only loan which gives you the flexibility to draw out the  current money needed and the option for additional draws for future needs during the access period.

Constuction / Perm
This program is designed to allow a borrower build a home using a general contractor and to permanently finance the home with one loan. The borrower may purchase a lot along with the new home construction or have the home built on a previously purchased lot.

Lot Loan
This program enables a borrower to purchase a lot of land to be used for future construction.