Compare Loans

Fixed Rate Loans

  • 30-, 25-, 20-, 15- and 10-year terms are all available at a fixed rate.

  • The monthly principal and interest payment will never increase

  • Buy a home with as little as 3% down (primary residence).

  • Refinance up to 95% of your primary home's value.

  • Monthly payments remain the same for the entire loan term.

  • Payoff your mortgage sooner with a reduced term and save thousands over the life of the loan

  • No Closing Cost options available

  • Low Down Payment Options

Adjustable Rate Loans

  • 3/1, 5/1, 7/1, 10/1 ARM. Monthly payments based on a 30-year repayment schedule.

  • The rate stays fixed for the first 3, 5, 7 or 10 years (depending on the chosen term), and then adjusting annually after that.

  • Interest Only options available

  • Typically, a lower initial interest rate than long-term fixed rates

  • Ideal for homeowners looking to sell or refinance within a specific period

  • No Closing Cost options available

Jumbo Loans

  • Home loans over $453,100 (or $679,650 in high-cost areas)

  • Financing available up to $5,000,000

  • Fixed rate, adjustable rate options

  • No pre-payment penalties

  • Loan-to-value up to 90%

  • Interest Only Options available

FHA Loans

  • 3.50% minimum down payment required on purchase.

  • Down payment assistance programs to qualified applicants

  • Minimum credit score usually 580.

  • Post-bankruptcy qualifying - 2 years after.

  • Post-foreclosure qualifying - 3 years after.

  • less stringent underwriting requirements

  • Extra-low closing cost options available

  • A lower than average credit score requirement

VA Loans

  • Competitive interest rates that are routinely lower than conventional rates.

  • Sellers can pay up to 6 percent of closing costs and concessions.

  • Higher allowable debt-to-income ratios than for many other loans.

  • No down payment required

  • No monthly mortgage insurance

  • A lower than average credit score requirement

  • Fixed rate, adjustable rate, and term length options available

VA Streamline (IRRRL) Refinance

  • No appraisal required

  • No income verification needed

  • No-closing-cost options available

If you already have a VA loan then you’re eligible for a VA Interest Rate Reduction Refinance once seasoning requirements are satisfied



  • 30-year fixed-rate USDA loan has a lot of amazing perks, like more relaxed credit restrictions and down payments as low as 0%. Suburban areas qualify as well.

  • No down payment required

  • Low private mortgage insurance costs

  • Low credit scores accepted

  • Your payment stays the same for the life of the loan

USDA Streamline

  • No new appraisal required

  • No income verification needed

  • Underwater properties welcome

  • Low and no-closing-cost options available

  • If you already have a USDA loan then you’re eligible for a USDA Streamline once seasoning requirements are satisfied


  • A reverse mortgage is a mortgage available to borrowers 62 years of age or older that is relatively easy to secure and does not require payments during the life of the loan. Reverse mortgages are often exceptional means of easing the financial burdens of individuals older than 62. There are three types of reverse mortgages: Single-Purpose; Proprietary; Home Equity Conversion Mortgage (HECM)

  • The purpose of a reverse mortgage is to give the money back to qualified borrowers without requiring them to make monthly payments. Seniors (defined as adults age 62 or older) can use the equity in their home for any use, including but not limited to health care, home repairs, and upkeep, and maintain a lifestyle that is otherwise not affordable. You may also see a reverse mortgage called a reverse equity mortgage or a reverse annuity mortgage.


  • For borrowers with difficult income to document, credit issues or for transactions that don’t fit standard Conventional or Jumbo guidelines.

  • Purchase, Refinance and cash-out Refinance

  • Bank Statement programs instead of tax returns, W2s or paystubs

  • Non-Warrantable Condos due to budget, reserves or litigation

  • Asset Depletion Programs that can be used to qualify

  • Interest Only 40-year term - Fixed Rate, 5/1 and 7/1 ARM

  • Interest Only loans to 80%

  • Loan-to-Value up to 90% without Mortgage Insurance

  • Credit Scores as low as 500

  • Loan amounts up to $5M

  • 5/1, 7/1 ARM, 15 & 30-year Fixed Rate

  • Higher debt-to-income ratios (50%)

  • Mortgage late(s) within the past 12 months


  • Fannie and Freddie's HARP program is officially gone on December 31st, 2018, and replaced with, "Relief Refinance" program. This program offers borrowers who have been unable to refinance due to declining property values, the ability to refinance into mortgages that better positions them for long-term homeownership success.

Terms, Restrictions, and Conditions Apply, Not All Applicants Will Qualify. A pre-approval is based upon a thorough review of the applicants’ credit and supporting documentation. Final Approval provided by the Lender for whom the loan is underwritten.