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Loan Programs

Fixed Rate Mortgages (FRM)
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.

Adjustable Rate Mortgages (ARM)
Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.

Hybrid ARMs (3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM)
Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.

HARP 2.0
HARP 2.0 is a refinance option for homeowners that are "underwater," meaning they owe more on their home than their home is worth.

FHA Loans
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

VA Loans
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.

Interest Only Mortgages
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specified period of time.

Components of an ARM
Prior to choosing a home loan, you should know the advantages and risks of adjustable-rate mortgages to make an informed, prudent decision.

Commonly Used Indexes for ARMs
This article includes a list of the most commonly used indexes by ARM lenders that affect ARM mortgage rates.

Balloon Mortgages
Balloon mortgages include a note rate that remains fixed initially, and the principal balance becomes due at the end of the mortgage term.

Graduated Payment Mortgages

Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and becomes fixed for the remaining duration of the loan.

What kind of loan program is best for you?
Should you get a fixed-rate or adjustable rate mortgage? A conventional loan or a government loan? Deciding which mortgage product is best for you will depend largely on your unique circumstances, and there is no one correct answer.




 “These materials are not from HUD or FHA and were not approved by HUD or a government agency.”
(ML 2014-10) CA Bur of Real Estate –Real Estate Broker; or Real Estate Broker – CA Bur of Real Estate – AND – Broker, agent, Realtor, loan correspondent or abbreviations bro.,agt., or other similar terms or abbreviations – AND – Cal BRE License Number – AND- – NMLS Unique Identifier. (California Finance Code 22162, California Business and [Please include this disclosure, ideally in the frame of the website.] California state law requires that advertisements do not represent that credit rating or other personal financial data are not factors in determining qualification for a loan unless the broker does not in fact conduct such inquiries to determine whether a prospective borrower qualifies for a loan. (California Code of Regulations Sec. 2848(10) Advertising Criteria)Licensed In State Record  Retention Statute CA California Finance Lenders Law:Cal. Code Regs. tit.  10, Ch. 3, Subch. 6 ,Art.10,§1552. (a) A licensee shall maintain in its home office, a file of all advertising copy for a period  of at least two (2) years after the last date fits use. (b) All advertising copy shall have noted hereon the name or names of all advertising media used and the dates when such advertising appeared. (c) In the case of  radio or television advertising, unless the full text of such announcements is retained for the afore said prescribed time by the broadcasting station or stations and is available  to the commissioner, a licensee  shall cause voice transcription of the full text of such  announcements to be prepared and retained for two (2) years after the last  date  of  its use.(d) Any advertising used by a mortgage loan originator shall be maintained by the sponsoring mortgage lender, mortgage broker, or mortgage lender and broker, in the manner set forth in this section. (e) For purposes of this section, a licensee shall include a mortgage loan