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Fixed Rate
Fixed-Rate Mortgage
Interest Rate and monthly payments remain the same for the entire term of the loan.
Protection against rising interest rates.
Adjustable Rate
Adjustable-Rate Mortgage
Homeowner could potentially lower their monthly payments with the lowered interest rates.
Initial interest rate is fixed typically for 3-10 years.
Lower Rates
Conventional Mortgage
Lower interest rates.
Fewer penalties and fees.
Second home purchase options.
Fixed or Adjustable
Jumbo Mortgage
Purchase a more expensive property.
Variety of terms available.
Fixed or Adjustable
FHA
Low down payment options.
Flexible income and credit requirements.
Protection against rising interest rates.
Fixed or Adjustable
USDA
No down payment.
Low credit score requirements.
Flexible credit underwriting requirements.
Fixed or Adjustable
VA
Low to no down payment.
Low income and credit requirements.
No mortgage insurance.
Fixed or Adjustable
Refinance
May be able to refinance to a lower interest rate.
Consolidate debt.
Turn your home equity into cash.*
Fixed or Adjustable
Renovation Mortgage
Rolls the cost of upgrades and a home purchase or refinance into one loan
Fixed or Adjustable
Reverse Mortgage
Withdraw a portion of your home’s equity
Paying monthly mortgage payment is optional
