Loan Options

30-Year Fixed-Rate Loans

The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. A 30-year fixed-rate loan may be a good option if you plan on staying in your home for years to come.

15-Year Fixed-Rate Loans

This loan is fully amortized over a 15-year period and features consistent monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you’ll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment. Many borrowers opt for a 30-year fixed-rate loan and may voluntarily make larger payments that will pay off their loan in 15 years.

Adjustable-Rate Mortgage Options

An ARM is an Adjustable Rate Mortgage. Unlike fixed-rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically. The initial interest rate of an ARM is lower than that of a fixed-rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is too high.

FHA Home Loans

An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments. FHA loans often allow borrowers to purchase with either a lower down payment, lower credit score and/or higher debt to income ratio. It is one of the most popular loan programs for first-time home buyers.

VA Home Loans

A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).

Jumbo Home Loans

A jumbo loan is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac. As of 2023, the limit is $726,200 for most of the US, apart from high-cost states or regions, Alaska, Hawaii, Guam, and the U.S. Virgin Islands, where the limit is $1,089,300.

FHA 203K Home Loans

An FHA 203K loan is a loan backed by the federal government and available to buyers who want to renovate a home. An FHA 203K loan allows the borrower to finance the home, plus provides additional financing to do the necessary renovations to the home.

USDA Home Loans

The United States Department of Agriculture (USDA) gives borrowers the opportunity to own a home outside of the city limits. There are several benefits of a USDA loan,including flexible credit underwriting requirements and no down payment required.

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Company NMLS 2245603

15805 Biscayne Blvd., Suite #106, North Miami Beach, FL 33160
Licensed in California, Colorado, Connecticut, Florida, Georgia, Louisiana, New Jersey, North Carolina, Ohio, Pennsylvania, Rhode Island, and Texas.

MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER

Regulated by the Colorado Department of Regulatory Agencies (DORA)

You may visit www.nmlsconsumeraccess.org at any time to confirm a company or professional you wish to conduct business with to ensure they are authorized to conduct business in the state you are financing a property within.

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Loan Options

30-Year Fixed-Rate Loans

15-Year Fixed-Rate Loans

Adjustable-Rate Mortgage Options

FHA Home Loans

VA Home Loans

Jumbo Home Loans

FHA 203K Home Loans

USDA Home Loans

Got Questions? We have answers.

Company

Services

Account

Loan Options

30-Year Fixed-Rate Loans

15-Year Fixed-Rate Loans

Adjustable-Rate Mortgage Options

FHA Home Loans

VA Home Loans

Jumbo Home Loans

FHA 203K Home Loans

USDA Home Loans

Got Questions? We have answers.