Fixed Rate
With a fixed rate mortgage, the monthly principal and interest payment remains the same throughout the entire life of the loan. Rates will be higher than with an ARM, but you’ll have the assurance that they will never increase. We offer traditional 10, 15, 20, 30 and 40 year fixed rate products. Some even come with a 10-year interest-only option!

 FHA Loans
You can refinance up to 96.5% of your home value. FHA even offers up to 85% cash-out, the highest amount of any our home loans!

In a FHA new purchase, your down payment can be as low as 3.5% of the price of the home.  FHA also allows seller concessions up to 6% of your home purchase price.  First-time home buyers can get a tax credit up to $8000! “First-time home buyers” includes anyone who hasn't owned a home in the past three years.

VA Loans 
The VA Loan is an incredible benefit for those who have served our country. The VA allows the borrower financing at 100% of the purchase price of the home and allows the seller to pay all of the buyer's closing costs. When compared with conventional loans, a VA Home Loan can save borrowers several hundred dollars a month.

Adjustable Rate Mortgage (ARM)
An ARM usually offers a lower initial interest rate and payment. This solution allows you to purchase, get cash out of your home, or refinance to lower your monthly payments at rates lower than traditional fixed rates. With an ARM, your mortgage payment may go up or down based on movements in the prime interest rate. Adjustment periods may vary based on which product you choose.

These low rates are fixed for 1, 2, 3, 5, 7, or 10 years.

Interest Only
You pay only the interest on the mortgage in monthly payments for a fixed term length. This is a great option if you are looking for greater purchasing power and/or increased cash flow. This plan could result in hundreds of dollars in monthly savings. You are also able to pay into your principal at any time you're able to. First-time homeowners who need cash for furnishings, a swimming pool and other uses often choose this option.

Hard Money Bridge Loan

A hard money bridge loan is a loan that is used for a short period of time until a permanent loan or financing is put in place. Bridge loans are a perfect hard money solution to a timely acquisition or business opportunity simply because they allow you to act quickly. These hard money loans can be used:

• Acquisitions
• Buy-Outs
• Foreclosures
• Cash Out
• Construction
• Commercial Property
• Apartments Buildings
• Hotel / Motel
• Office Buildings and Complexes
• Golf courses, and almost all commercial businesses.