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Mortgage Programs

Fixed Rate Mortgages


10-, 15-, 25-, 30-year fixed available. 


Monthly payments are fixed over the life of the loan. Interest rate does not change.

Protected if rates go up. 

Can refinance if rates go down without penalty or costs.

No pre-payment penalties. 

Adjustable Rate Mortgages


10/1 ARM

7/1 ARM

3/1 ARM


Lower initial monthly payment

Lower payment over a shorter period of time

Rates and payments may go down if rates improve

May qualify for higher loan amounts

First-Time Buyer Programs 


Conventional, FHS, and VA programs available.


Lower down payment.

Easier to qualify.

 You may get lower rate.

Costs can be incorporated into mortgage amount.


Home Equity Fixed Loan


Interest only, fixed payments available.


Fixed payments.

Interest may be tax deductible.


No Point, No Fee Programs


No closing costs payments available.


No closing costs.

Less money required to close.


Home Equity Line of Credit




You only borrow what you need.

Pay interest only on what you borrow.

Flexible access to funds.

Interest may be tax deductible.


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