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Types of Loans

Fixed-Rate Conventional Mortgage

A fixed-rate mortgage provides security knowing that your principal and interest payment will remain the same for the entire term of the loan.

Adjustable-Rate Conventional Mortgage

An adjustable-rate mortgage (ARM) has an interest rate that is fixed for an initial period and then adjusts periodically based on market conditions.  During the initial period, an ARM typically has a rate lower than comparable fixed rates.

VA Mortgage

The US Department of Veteran Affairs will guarantee loans to help qualified veterans, reservists and active-duty service members finance their homes.  VA loans require no down payment and offer more flexible qualification requirements.


The Home Affordable Refinance Program (HARP) allows homeowners to refinance their Fannie Mae or Freddie Mac mortgage at today's low interest rates even in instances when the mortgage balance exceeds the value of the home.

Jumbo Mortgage

A jumbo loan is a mortgage that exceeds the conventional loan limits (currently $417,000) and can be either a fixed or adjustable rate.

Reverse Mortgage

Stay in your home and put its equity to work for you.  Homeowners 62 and older can use a reverse mortgage to borrow money against equity established in their homes.

FHA Mortgage

The Federal Housing Administration (FHA) established a loan program to advance home ownership opportunities for those with limited down payment funds.  FHA loans require a 3.5% down payment on purchase loans and will refinance loans to 97.75% Loan to Value.


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