Loan Programs

At, you’ll find a variety of loans to choose from. There are several factors to consider when choosing a loan. Do you want the stability of a fixed rate, or are you willing to accept a little more risk in exchange for the lower initial rate of an adjustable mortgage? How long do you plan to stay in your home? How much do you want your monthly payment to be? The following grid outlines the features and benefits of each of our loan programs.

10,15,20 & 30 Year Fixed5/1 Treasury ARM3/1 Treasury ARM1 Year Treasury ARM2/6 & 3/6 LIBOR ARM5/6, 7/6 & 10/6 LIBOR ARMFlex Pay5 & 7 Year Balloon
I want a stable monthly paymentXXXXXX  XX XX
I want to buy as much house as I can XXXXXXXXXXXXX
I plan to own my house for 5 years XXXX  XX XXX
I believe interest rates are likely to fall XXXXXXXXXXXXXXXX
I believe interest rates are likely to riseXXX       
I need flexible monthly payments      XXX 
I want to avoid negative amortizationXXXXXXXXXXXXXXXXXX XXX
I want the lowest possible payments   XXXXXXX
I plan to refinance within 5 years XXXX  XX XXX



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