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Conventional Loans

Conventional mortgages offer fixed rate loans with 15, 20, and 30 year term options with a variety of rate programs. Apply online or give Mark a call to choose the right conventional home loan option for you, all with no lender fees or hidden costs.

 

A 30-year fixed mortgage is one of the most common types of home loans. Many home buyers choose this option for its flexibility and ease. 
 

Choose a 30-year fixed if you want:

  • A predictable monthly payment

  • A fixed rate that protects against market changes

  • A lower payment compared to shorter-term loans

 

A 15 or 20-year fixed mortgage may give you a lower rate and ability to pay off your loan faster than a 30-year fixed.

 

Choose a 15 or 20-year fixed if you want:
 

  • Predictable monthly payments

  • To build equity faster

  • To pay off your home sooner

  • A lower interest payment

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Government Loans

Government loans are backed by the Federal Housing Autority and Department of Veteran Affairs.  The qualification guidelines are more lenient than other loans regarding credit, and downpayment requirements.

 

 

It’s good to have options.

 

FHA loans are insured by the Federal Housing Authority and are perfect for first-time home buyers or if your credit score has taken a few hits. With a variety of loan types and flexible terms, FHA loans can offer flexibility to meet your needs.

 

 

You've served us, now let us serve you.

 

Active-duty and veteran military members hold a special place in our heart. That’s why we are proud to offer VA loans with fast approvals, flexible guidelines, and higher loan to value ratios- with the most competitive mortgage options in the industry

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Other Loan Options

A standard 30-year fixed mortgage isn't the best fit for everyone. Mark is able to offer loan terms to fit every financial story. Whether you’re gearing up for retirement, have extra income at your disposal or you’re not sure what type of mortgage is right for you, he can help.

Looking for more flexibility?

 

Adjustable rate mortgages start with a low introductory rate that adjusts over time based on the terms of your loan. After the initial period of 5/7/10 years, your rate could adjust up or down based on market conditions.

Adjustable-rate mortgage loans have the potential to save you money, especially if you plan on selling, refinancing, or paying of your mortgage in a short period of time.

 

 

A jumbo loan is reserved for loan amounts totaling more than the loan limits set by Fannie Mae and Freddie Mac, giving borrowers the ability to finance a non-conforming loan.

Whether you’re shopping for an expensive home or in a hot real estate market, you might find that the amount you need for a mortgage exceeds the traditional limit of $510,400 in most counties.