Our 30-Year Fixed Rates Are Low & Our Process is Quick & Painless

The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then adjustable-rate loans are usually cheaper.

We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

The 30-Year Fixed Rate Mortgage Loan Process

Here’s how our home loan process works:

• Complete our simple 30-Year Fixed Rate Mortgage Qualifier
• Receive options based on your unique criteria and scenario
• Compare mortgage interest rates and terms
• Choose the offer that best fits your needs

Alternative – Interest Only Feature

An Interest-Only mortgage is a mortgage where, just as the name implies, the borrower pays only the interest on the loan during the initial years of the mortgage. This keeps monthly payments significantly lower than a regular mortgage where payments cover both interest and principal.

Interest Only loans may be an option for certain borrowers with certain financial scenarios.

For example:

1. Homebuyers who do not intend to stay in the home for long (think professionals who move around a lot)
2. A business owner or other type of professional who receives large lump sums of revenue (instead of a regular paycheck) and is prepared to pay down the principal in lump sums
3. A couple with enough assets to cover the loan, who want to buy their retirement home with an Interest-Only loan, and then convert to a conventional loan when they sell their current, primary residence
4. A relatively wealthy buyer interested in using an Interest Only loan to keep mortgage payments to a minimum so they have more cash for other investments

As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans. When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan.

• Fixed Rates
• Adjustable Rate Mortgage (ARM)
• Conforming Loans
• Jumbo & Super Jumbo Loans
• FHA, VA, & USDA Loans
• Terms from 5 to 30 Years