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For almost everyone, financing is what makes owning a home possible. We understand that each family's needs are unique. That's why our experienced loan counselors have over 100 mortgage programs designed to help you get into the home you want at a payment you can afford.
Fixed-Rate Mortgages
This loan is a good option for people who want the stability of a payment that won’t change. With a fixed-rate mortgage, your principal and interest payments remain the same for the duration of the loan, although property taxes and insurance costs may increase.
Adjustable-Rate Mortgages (ARMs)
ARMs generally offer lower initial interest rates than comparable fixed-rate mortgages, which can increase your purchasing power. ARMs make a lot of sense if you plan move to another home or refinance in the relatively near future. This allows you to take advantage of the lower initial rates and payments at the early part of the loan before you see any significant increases.
Interest-Only Mortgages
With this loan, you only pay the interest portion of your mortgage, which means your monthly payments won’t build equity. However, there are three major benefits: 1) You can qualify for more home. 2) Your mortgage payment becomes lower. 3) It frees up more cash, allowing you to invest the money you would have paid toward the principal in other higher-yielding investments.
$0 Down Payment Mortgages
$0 down programs can accelerate your purchase plans by allowing you to buy a home without the traditional 20 percent down.
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