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Types of Loans

Fixed Rate Mortgages
The traditional fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. With a fixed rate loan you can lock in the rate for the life of your loan.  Available terms are: 10, 15, 20 and 30 years.

Adjustable Rate or ARMs (5/1 ARM, 7/1 ARM, 10/1 ARM)
These increasingly popular ARMS—also called 5/1, 7/1 or 10/1—can offer the best of both worlds: lower interest rates (like ARMs) and a fixed payment for a longer period of time than most adjustable rate loans. For example, a "5/1 loan" has a fixed monthly payment and interest for the first five years and then turns into a traditional adjustable-rate loan, based on then-current rates, resetting at anniversary, for the remaining 25 years. It's a good choice for people who expect to move (or refinance) before or shortly after the adjustment occurs.

Loan Types Offered:  

Conventional - conforming and jumbo

FHA / VA

USDA

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