Loan Programs

Fixed Rate Mortgage Loan
With a fixed-rate mortgage loan, your interest rate and your monthly payment are fixed for the term of the loan. This makes your budget more manageable and predictable. xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" />

Adjustable-Rate Mortgage Loan
The initial interest rate is lower with an A.R.M. than what you can get with a fixed rate. This is a smart choice if you will be earning more in the future than you are now or if you plan on buying a larger home or downsizing in the near future. You choose what is best for your needs; the rate can be fixed for a short term from 6 months to 10 years and then become adjustable.

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Debt Consolidation/Home Equity Loans
A Home Equity loan (second mortgage) can be used to pay off debts, finish home improvements or take that overdue vacation. Your Equity loan can be an open line of credit that you use as you need it. It can also be a specific loan amount with either a fixed or adjustable rate. You choose the program that fits your needs. Usually this kind of financing gives you a tax advantage (check with your accountant).

Have less than perfect credit? No problem.
A Sub Prime Mortgage Loan is for those that have less than perfect credit. While everyone takes great pride in their credit history sometimes things happen that are beyond your control. Having a big or small credit issue should not prevent you from trying to improve your financial situation.