Products
Specializing in Reverse Mortgages
Retirement Planning Tool
Tax Advantages
Sustainable Income into Retirement
Greater Inheritance for Heirs
FIXED-RATE LOAN
BENEFITS
Fixed rates and monthly P&I payments
Great for long-term homeowners
DETAILS
A fixed-rate mortgage is a mortgage loan that has a set interest rate for the entire life of the loan. ADJUSTABLE-RATE LOAN
BENEFITS
Lower initial rat
es
Lower initial monthly payments
Great for short-term homeowners
DETAILS
An adjustable-rate mortgage is a mortgage loan with a variable interest rate. The rate fluctuates over the life of the loan, typically starting out lower and rising as the market demands. FHA LOAN
BENEFITS
Lower down payments available
Competitive interest rates
Don’t require you to be a first-time homebuyer
Typically allows higher debt-to-income ratios
Typically allows Lower credit scores
Underwriting criteria can be less restrictive than conventional loans
DETAILS
FHA loans are government-insured loans backed by the Federal Housing Authority. They are great for low- to moderate-income earners, first-time homebuyers, and work well with housing assistance programs. VA LOAN
BENEFITS
Generally don’t require a down payment
No private mortgage insurance required
Competitive interest rates
Up to 100 percent financing available when the full entitlement is available
No pre-payment penalties
DETAILS
A VA loan is a mortgage loan that is backed by the U.S. It is available to Veterans, Service Members on active duty, National Guard, Reserve members, and a Spouse of a deceased service member/Veteran
JUMBO LOAN
BENEFITS
Available in fixed and adjustable-rate options
Larger loan limits available
DETAILS
For most counties, a jumbo loan mortgage is any home loan that is more than the maximum conforming limit of $510,400 for a single-family home
RURAL HOUSING LOAN (USDA)
BENEFITS
Generally don’t require a down payment
No prepayment penalties
Up to 100 percent financing
DETAILS
A rural housing loan, also known as a USDA loan, is backed by the U.S. Department of Agriculture and is designed to encourage homeownership in America’s more rural and remote locations. They’re ideal for low- and middle-income earners who may have difficulty obtaining other forms of financing. DOWN PAYMENT ASSISTANCE PROGRAMS
BENEFITS
Assisting qualified borrowers with assistance in the form of a grant or 2nd loan to cover closing costs and/or down payment. These programs generally have a fixed interest rate for a specific period of time.
