Home Loans SIMPLIFIED
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Which Mortgage is Right for You?
Every home loan has two parts: how your rate behaves over time, and the program behind the loan. Picking the right mix depends on your budget, your credit, how long you plan to stay and your bigger financial goals. Explore the options below, then let's talk. As Certified Mortgage Planning Specialists, we'll help you choose the loan that fits your whole plan.
Mortgage Rate Options
Fixed Rate
Your rate and principal-and-interest payment never change. Simple, steady and easy to budget.
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A lower fixed rate for the first few years, then it adjusts. Great if you plan to move or refinance.
Learn MoreInterest Only
Pay only interest for a set period to keep early payments low. Best for disciplined, high-income borrowers.
Learn MoreGraduated Payment
Payments start low and step up on a set schedule. Built for buyers expecting their income to grow.
Learn MoreLoan Program Options
Conventional
The standard mortgage with as little as 3% down and PMI you can remove later.
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Government-insured loan with 3.5% down and flexible credit guidelines.
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Zero down and no monthly mortgage insurance for eligible veterans and service members.
Learn MoreJumbo
Financing for higher-priced homes above the conforming loan limit.
Learn MoreUSDA
Zero-down loans for homes in eligible rural and suburban areas.
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