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(424) 368 - 5934

MORTGAGE PROGRAMS

We are fully licensed in the following States AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, MD, MI, MN, NC, NE, NV, OR, RI, SC, TN, TX, UT, VA, WA and WI.


30 YEAR FIXED MORTGAGE LOANS

This is the traditional and most common loan, a 30-year fixed loan offers the most flexibility in regard to qualification and lower payments. Perfect if you plan to stay in your home for some years. Payments are fixed and won’t change over time, once you lock in your rate is yours for the life of the loan.

If you plan to stay for only a few years contact us for more options.

15 YEAR FIXED MORTGAGE LOANS

This loan will be paid off in only 15 years! Making you mortgage free faster and 100% equity owner of your home, we can also do 20 years, 25 years, and anything in between to meet your goals and needs.

This loan offers the same benefits than the 30 year loan with a fixed payment and it also offers something unique, 15-year loans are usually lower in rate!  Something to keep in mind is that because the term is less the payment will be higher per month. Call us to set you up with the perfect scenario, we will be happy to give you all the options.

ADJUSTABLE MORTGAGES

An ARM or adjustable-rate mortgage offers a lot of benefits but must be used carefully unlike the fixed rate mortgages, an ARM will only have some years with a fixed rate payment and then I will change.

It offers lower rates and could be a great option if you are not planning on staying in the property for many years, call us to find out.

FHA LOANS

An FHA loan is a loan that is guaranteed by the Federal Housing Administration only available through authorized lenders, First time home buyers! This is where you most likely start! FHA offers lower rates, lower down payments, and more flexible guidelines to qualify.

VA MORTGAGE LOANS

Veteran Affairs offer a guaranteed program for Veterans, their spouses, and surviving spouses as long as they don’t marry again to buy homes with Cero or almost Cero Down payment and lower rates.

This loans can only be issued through authorized lenders. Call us to find out more.

JUMBO LOANS

Jumbo Loans are loans that exceed the Fannie Mae and Freddie Mac conforming loan limits, the limit of $647,200 apply to most parts of the U.S. also rates are slightly higher than conforming loan rates as it represents a higher risk to investors, fortunately we have several ways to mitigate this, give us a call to find out.

If you have any questions or concerns, feel free to reach out to us