Mortgage Programs

Jumbo Fixed Rate Mortgages
Jumbo, or non-conforming, mortgages have loan amounts that exceed the limits established by The Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac). In 2003, jumbo mortgages have a loan amount in excess of $322,700 for a one-unit property. Loan limits vary by the number of units a property has. Please refer to Conforming Fixed Rate Mortgages for a list of all conforming loan limits.

Balloon Mortgages
Balloon mortgages are typically have a 30-year term with a balloon payment required after 15 years. The interest rate and monthly payment is typically lower than a standard fixed rate. This is an excellent choice if you don't plan to be in your home for a long period of time or you expect interest rates to decline over time.

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Low/No Down Payment Mortgages
Two of the largest barriers to homeownership in America are lack of savings and a less-than-perfect credit rating. We offer affordable financing with flexible guidelines to meet most any need.

Government Mortgage Loans If you're looking for a great fixed rate program with little or no down payment, an FHA or VA may be a smart choice. An FHA loan typically requires just 3% down and eligible veterans can receive 100% financing through the Veterans Administration.

Home Equity Lines of Credit offer a more streamlined way to finance the purchase or refinance of your home. You can use these loans and lines to access the equity you've built up in your home to finance remodeling projects, pay for tuition or take a dream vacation

3/1 ARM
The 3/1 ARM has an initial fixed rate period of three years. Thereafter, the interest rate and monthly payment then adjusts every six months.

5/1 ARM
The 5/1 ARM has an initial fixed rate period of five years. Thereafter, the interest rate and monthly payment then adjusts every six months.

7/1 ARM
The 7/1 ARM has an initial fixed rate period of seven years. Thereafter, the interest rate and monthly payment then adjusts every six months.