Jumbo Loans: These are fixed rate or adjustable rate mortgages where the loan amount is over $417,000. When borrowing large sums of money we know the slightest savings in interest rate is paramount. We are committed to getting you the best rate.

100% Financing Loans: This program provides a loan for 100% of the sales price. This is a perfect loan for the home buyer that is ready to buy but has limited or no funds available for the down payment, or the buyer who chooses not to move or liquidate assets.

Adjustable Rate Mortgage (ARM): Allows a lower initial interest rate for a specific time period. After a specific time period, that you have elected upfront, the interest rate may increase. The time period that most ARM's can be fixed is one, three, five or seven years. This loan allows home buyers the option of getting the lowest monthly payment. This loan is most suited for home buyers who anticipate an increase in their wages down the road but want the most home now, home buyers who do not plan on having the mortgage more than five years due to paying off the mortgage or selling the home, or borrowers who anticipate trading up in homes in the near future.

Low Documentation Loan: Reduced documentation that the home buyer has to provide about their income and/or assets.

No Documentation Loan: Elimination of documents verifying home buyers income and/or assets.

First-Time Home buyer: Buying a home allows you to better your financial situation now and down the road by paying less income tax with your interest deduction and increasing your assets by the equity or increasing value of your home. The freedom of painting your kitchen red, your sunroom yellow, or changing the flooring type are just a few "fun" benefits of home ownership.

Community Programs: are specifically designed for modest incomes or specific occupation. Most of these programs only require that you contribute $500 to the purchase, in some situations this is cheaper than renting a home.

Stated Income / Assets : Reduced documentation that the home buyer has to provide about their income and/or assets.