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30, 25, 20, 15, and 10 year terms are most common fixed rate loans, but you can choose any term you’d like up to 30 years.
Interest rate never changes
Monthly principle & interest never changes
3/1, 5/1, 7/1, and 10/1 ARMs (Adjustable Rate Mortgage) available
The rate is fixed for only the first 3, 5, 7, or 10 years depending on the chosen loan program and then adjusts annually for the remaining term based on market conditions.
Monthly payments are based on a 30 year repayment schedule.
Best loans for high credit scores and/or large down payment/equity
Purchase and Refinance loans available for Primary Residences, Second Homes, and Investment Properties
Buy a home with as little as 3% down
Refinance loans up to 95% of the current value of your home
Best loans for less than perfect credit scores and/or low down payment/equity
Purchase and Refinance loans available for Primary Residences
Buy a home with as little as 3.5% down
Refinance loans up to 97.75% of the current value of your home
Best loans for Veterans and current military members with VA Home Loan eligibility
Buy a home with 0% down
Refinance loans up to 100% of the current value of your home
Best 0% down payment loan available to non-Veterans
Property must be located in eligible area (rural/less populated areas)
Refinance loans only available to current USDA mortgage loan holders